Isn’t That Rich with MyFSB

No Spend January: What Happens When You Stop Buying Everything You Don’t Need

What actually happens when you stop spending money on anything that is not essential for an entire month? In this episode, Jill sits down with Ashley to talk about her No Spend January challenge and the surprising things she learned along the way. From the habits we do not even realize we have to the mental tug of convenience spending, Ashley shares what it was really like to cut out the extras for 31 days. They talk about where the biggest temptations showed up, what ended up being easier than expected, and whether a challenge like this can actually change the way you think about money long term. If you have ever wondered how much you could save by simply pressing pause on spending for a little while, this conversation might make you want to try it too. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

When Should You Open a Joint Bank Account?

Joint bank accounts can be incredibly useful, but they also come with responsibilities that many people do not fully think through before adding someone to their account. In this episode, we are breaking down when a joint account makes sense and when it might not. We talk through common situations like married couples managing finances together, parents helping their kids learn how to handle money, and adult children stepping in to help aging parents manage bills. We also cover what a joint account actually means when it comes to ownership, access, and responsibility, because once someone is on that account, they typically have the same rights to the money that you do. If you have ever wondered whether a joint account is the right move for your situation, this episode will help you understand the pros, the risks, and the important things to think about before adding another name to your account. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

The 5 Best Ways To Spend Your Tax Return

Tax season is here, and whether you’re getting a refund or writing a check, it’s the perfect time to reset your financial game plan. In this episode, we’re walking through the five best ways to use your tax return so it actually moves the needle for you, not just disappears on things you won’t remember in a few months. From paying down debt to building savings and making smart investments, we’re breaking it all down in a way that’s practical and doable. And if you ended up owing this year, don’t worry, we’re talking through simple ways to better prepare so next year doesn’t catch you off guard. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Do This, Not That: Debt Consolidation

Debt piling up from credit cards, personal loans, or unexpected life expenses? You’re not alone, and you’re definitely not out of options. In this episode, we’re sitting down with Mortgage Loan Officer Taylor Abney to talk all things debt consolidation like what it is, when it makes sense, and the biggest do’s and don’ts to be aware of before jumping in. We’re breaking down the difference between working with debt consolidation companies versus going through your local bank, what it can mean for your credit, and the smartest ways to tackle debt without putting yourself in a worse position long-term. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Your Child's Future Deserves More Than the College Default with Hannah Maruyama

When most kids are asked what they plan to do after high school, college is often the first and only answer that comes to mind. But what if there are more paths worth exploring before making that decision? In this episode, we sit down with Hannah Maruyama of Degree Free to talk about how parents can help their teens think more strategically about their future, starting with who they are and the life they want to build. From defining income, lifestyle, and work environment goals to exploring certifications, apprenticeships, and other career on-ramps, this conversation opens the door to possibilities many families have never considered. Whether college is part of the plan or not, this episode will help parents feel more confident guiding their child toward the path that fits them best. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

The Money We’re Glad We Spent

Not every good financial decision shows up as saving more or spending less. In this episode, we talk about the money we are genuinely glad we spent and why those choices still feel worth it. From experiences and convenience to purchases that brought peace of mind, we share how spending aligned with your values can improve your life. This is a reminder that intentional spending is not about guilt or perfection, but about using money in ways that support the life you are building. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Small Money Wins That Matter More Than You Think

Big financial milestones tend to get all the attention, but it is often the small, steady wins that quietly move the needle. In this episode, we talk about the progress people rarely celebrate, like paying something off, sticking with a habit, and staying consistent even when life gets busy. We share why these moments deserve more credit, how they build confidence over time, and why showing up imperfectly still counts. If you have been working on your money and wondering if it is actually making a difference, this conversation is for you. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Our 2026 Money Hot Takes

A new year always brings new financial trends, and 2026 is no exception. In this episode, we share our hot take predictions on what we think will shape the money conversations in the year ahead. From shifting spending habits and evolving attitudes toward saving to changes in how people think about work, convenience, and financial security, we talk through what we are already seeing and what we believe will continue to gain momentum. This is not about crystal ball forecasts or complicated economics. It is an honest, practical conversation about the trends we think will matter most and how they could show up in your everyday financial life. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

The Benefits Account You Might Be Sleeping On: The HSA

Health Savings Accounts are often misunderstood or completely overlooked when people choose their health plans. In this episode, we sit down with Tatia Wesley from FSB Insurance to fully explain what an HSA is, who it is designed for, and why it can be such a smart option within the right healthcare plan. We walk through how HSAs work day to day, how they can help cover medical expenses, and why they offer more flexibility than many people realize. Then we get into what really sets an HSA apart. When used correctly, it is the only investment account where your contributions, growth, and qualified withdrawals can all be tax free. If you have ever wondered whether an HSA is worth it or suspected you might be sleeping on a powerful benefit, this episode will change the way you think about your health plan. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

The Financial “Shoulds” That Create the Most Stress (and Why You’re Allowed to Ignore Them)

Ever feel like no matter what you do, you’re somehow still behind? Like there’s an invisible checklist you’re supposed to be following and everyone else got the memo except you? The pressure to own a home, save more, be further in your career, or hit certain life milestones can quietly create stress and shame, especially when those “shoulds” don’t line up with your real life. Today we talk honestly about the financial “shoulds” society places on us, why they can lead to poor decisions, and how redefining success can bring clarity, confidence, and peace. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html