Isn’t That Rich with MyFSB

Ever wonder what actually happens after you hand a teller a check or deposit one through your mobile app? In this episode of Isn't That Rich, we're joined by Ana Richardson, Vice President of Deposit Operations, to pull back the curtain on the check processing system. We explain why banks sometimes place holds on checks, what happens behind the scenes before funds officially clear, why tellers ask certain questions, and how cashier's checks differ from personal checks. Plus, we share practical tips to help you spot today's most common check scams and protect your money. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Forget the badly written emails and the obvious red flags. The fraud happening right now is polished, professional, and specifically designed to fool people who think they know better. In this episode, Jill and Ashley get into exactly why these new scams are working, what's changed, and what it means for how you protect yourself and your money. They cover spoofed numbers, fake verification requests, text scams, and more, and they make the case for why slowing down and trusting your gut might be the most underrated financial protection tool you have. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Be honest. When was the last time a piece of marketing actually stopped you in your tracks? If you can't remember, that's exactly the problem Mark Schaefer tackles in Audacious, and it's exactly why we picked it for our June Book Club. In this episode, we dig into why playing it safe is the riskiest move a brand can make, how the flood of AI-generated content is making "fine" completely forgettable, and what it really takes to create marketing people talk about. We share the ideas that hit home for us, the parts that made us squirm a little, and how we're thinking about being bolder with our own brand right here in Southern Illinois. Whether you're a business owner, a marketer, or just someone who loves a good book with big ideas, this conversation will challenge you to stop blending in. Grab a copy, hit play, and read along with us. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Your pay stub is basically speaking a foreign language, and you've been nodding along for years. FIT, FICA, GTL, HSA, it all sounds like alphabet soup until someone actually explains it. In this episode, we crack the code, line by line, and let you in on a few sneaky money moves hiding in plain sight on that piece of paper you've never actually read. Come for the decoding, stay for the "wait, I can do that?" moments. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Here is something nobody tells you: you can have a great income and still have a terrible relationship with money. And you can have very little and still be doing everything right. This week Jill and Ashley are talking about what a healthy financial relationship actually looks like, the signs you are there, the signs you are not, and the small steps you can take today to start getting there. This episode is for anyone who has ever felt shame, stress, or straight-up dread around their finances. So basically, all of us. Tune in. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

If you have a student loan, are paying one back, took one out for your kid, or are about to head to grad school, this episode is not one to skip. Jill and Ashley break down the biggest student loan overhaul in decades, the One Big Beautiful Bill Act, in plain English. No jargon, no lecture, just two people who dug into the research so you don't have to. There are real deadlines coming up fast, and missing them could cost you. Press play before July 1st. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Buying your first home is exciting, and completely overwhelming. In this episode, we sit down with Mortgage Loan Originator Taylor Shanks to tackle every question first-time buyers are too nervous to ask. From credit scores and down payments to closing costs and what "pre-approval" actually means, Taylor breaks it all down. Whether you're just starting to dream or already scrolling Zillow at midnight, this one's for you. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

This month’s book club pick completely changed the way we think about retirement, taxes, and financial freedom. In today’s episode, we break down The Power of Zero by David McKnight in the most real-life, easy-to-understand way possible. We’re talking Roth accounts, why future taxes matter more than most people realize, and how the money you save today could affect your retirement years down the road. Even if you’ve never thought twice about tax strategy before, this conversation will absolutely get you thinking differently about your future. Trust us… this one sparked LOTS of opinions in book club. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

If you've ever paid a $185 tournament registration fee from a parking lot while eating drive-through for dinner, this episode is for you. The real cost of kids' extracurriculars for a typical family of four goes way beyond the number on the flyer. We're talking about the gear, the costumes, the spirit wear, the coach gifts, and the travel hotel that shows up six weeks after you were already emotionally committed. According to LendingTree, 42% of parents have taken on debt to cover activity costs, and most families have never actually added up the full annual number before signing up. This episode gets honest about why it's so hard to pump the brakes, what the warning signs are, and six practical steps to make it all sustainable. Your kid will remember you showing up. They won't remember whether it was the travel team or the local league. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

We all have that one money decision we wish we could go back and redo. Maybe it's the stack of impulse purchases collecting dust in your closet, or the years you spent not contributing to your retirement fund because it just felt so far away. Financial regret is one of the most universal human experiences, and yet it's one of the least talked about. In this episode of Isn't That Rich, we get real about the five biggest money mistakes we see over and over again, share personal stories that are equal parts relatable and eye-opening, and give you the tools to make sure you don't end up adding these to your own list. Whether you're just starting out or well into your financial journey, this one is packed with wisdom, laughs, and a few gentle wake-up calls. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html