Isn’t That Rich with MyFSB

Nobody loves opening their property tax bill, especially when the number is higher than expected! But did you know you have the right to appeal your property's assessed value? We sat down with Josh Smith, Supervisor of Assessments for Williamson County, Illinois, to walk through how the appeal process works, what homeowners should look for on their assessments, and what steps to take if they believe their property has been overvalued. Whether you've questioned your property taxes before or didn't even know appealing was an option, this conversation is one every property owner should hear! https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Turning 65 should come with a birthday cake, not a crash course in alphabet soup! But when Medicare enters the picture, suddenly you're trying to figure out Parts A, B, C, and D, enrollment deadlines, and coverage options you didn't even know existed. We're helping you sort through the letters, understand the basics, and get a better idea of what to expect as you approach this milestone. Because turning 65 is a big enough deal without needing a dictionary to understand your health insurance! https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Why do some people seem to have it all and still never feel like it’s enough? Why might the guy in the flashy car have less in the bank than the guy in the beat-up truck? This month’s book club dives into The Psychology of Money by Morgan Housel, and we brought along Mitchell Cagle from the Farmers State Bank team, who read right along with us. We get real about our own money habits, from begging for the McDonald’s drive-thru as kids to the stock pick one of us was sure would go to the moon (spoiler: it didn’t). We talk about why Warren Buffett made most of his fortune after 60, what a fever has to do with your budget, and why the best kind of wealth is the kind nobody can see. Whether you’re a natural saver or a proud spender, you’ll hear a little of yourself in this one. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

What would you tell a 21-year-old who just got their first paycheck? Better yet, what would a 21-year-old tell you? This week we sit down with Brock Newman, our new accounts representative at the Harrisburg branch, during his very first hour with the marketing department during his mentorship. Brock explains why your teens and early 20s might be the best saving years of your life. He shares his own "pre-investment" system, his take on credit cards, and the stock market for first-timers. He also tells us the mortgage surprise he picked up during mentorship that changed how he thinks about buying a house. Whether you're just starting out or you have a young person in your life who is, this is one you'll want to share. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

When we make a list of the things we insure, the house and the car are usually the first to come to mind. Those are the big ones, and they feel like the obvious things to protect. But for most of us who get up and go to work every week, the single most valuable thing we own is not sitting in the driveway at all. It is our ability to earn a paycheck. That paycheck covers the mortgage, keeps the lights on, and quietly funds everything else in our lives. So on this week's episode of Isn't That Rich, we sat down to talk about the one thing a lot of folks never think to protect, and that is your income. The way you protect it is with disability insurance. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

We love our pets like family, but almost nobody sits down and does the math before bringing one home. This week we’re add up what a dog really costs from day one, from the leash and the crate to food, grooming, vaccinations, and the flea and tick routine nobody remembers to budget for. Then we get to the part that catches families off guard, the surprise emergency vet bill that can climb into the thousands overnight. We break down your two ways to protect yourself, buying pet insurance or becoming your own insurance company with a dedicated savings fund, and we lay out the real numbers so you can decide what actually fits your life. It is an honest, down to earth look at the true price of unconditional love, with a plan you can walk away and use. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Everyone wants the move-in-ready house. You want to unpack your boxes and start living, not immediately start a list of projects. But move-in ready only tells you how a house looks the day you get the keys. It doesn’t tell you what could be waiting five, ten, or fifteen years down the road. The truth is, every house is a collection of things on a timer. Your roof, HVAC, water heater, appliances and more all have a lifespan, and eventually, the bill comes due. In this episode, we’re breaking down how long the major parts of your home typically last, what they cost to replace in 2026, and a simple way to start saving now so when something does go out, it’s not a financial emergency.
https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

What actually happens to your child’s money the day they turn 18? And we mean the actual day. While it may feel like just another birthday, behind the scenes, a lot changes in the eyes of the bank and the law. New financial doors open for your child, while some of the access and control you’ve always had as a parent can suddenly change. Most families don’t realize it until they run into a roadblock they never saw coming. In this episode, we’re breaking down exactly what changes at 18, what parents need to know, and what you can do now to make the transition a whole lot smoother. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

You spent the time getting your will just right. But did you know one little form can override the whole thing? This week we dig into beneficiary designations, the payable-on-death and transfer-on-death forms quietly sitting on your bank accounts, retirement plans, and life insurance, and why the name you scribbled down years ago beats whatever your will says. We walk through the mistakes that quietly cost families, including the ex-spouse who is somehow still listed, where all these forms like to hide, and a simple check-up you can knock out in about fifteen minutes this week. It is one of the smallest, most loving things you can do to make sure your money lands exactly where you want it to. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

This month our MyFSB Book Club read Number Go Up by Zeke Faux, and let us tell you, we walked in thinking we would finally understand crypto and walked out with a whole lot more than that. We are talking mysterious founders nobody can identify, a spreadsheet explanation that actually made the blockchain click, lavish Bahamas mansions, twenty-five-thousand-dollar cartoon apes, and a dark underworld of fraud that genuinely stopped us in our tracks. Is crypto the future of money or just the world's fanciest game of FOMO? We dig into all of it, argue a little, laugh a lot, and figure out why a good old-fashioned community bank still helps us sleep at night. Grab your headphones and settle in. This is one you will want to hear. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html