Isn’t That Rich with MyFSB

MyFSB Book Club: The Power of Zero

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

The Activity Tax: What Extracurriculars Actually Cost a Family of Four

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

5 Money Regrets You Don't Want to Make And How to Avoid Them

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

A Vision for Serving: starting an eye care practice with Dr. Sykes Thompson

This week, we’re sitting down with a Dr. Sykes Thompson, who is in the middle of something big… opening his very own eye care practice right here in our community! He shares how he’s always known this was the path for him, but as you’ll hear, knowing your calling and actually building it are two very different things. From finding the right location to making major financial decisions, hiring a team, and preparing for opening day, this conversation gives a real look at what it takes to start a practice from the ground up. We talk through the excitement, the pressure, and all the behind-the-scenes moments most people never see before the doors officially open. And at the heart of it all is something that stood out to us the most, his genuine passion for serving this community and doing it the right way. If you’ve ever thought about starting something of your own, or you just love hearing how a vision turns into reality, this is one you’ll want to listen to. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Book Club - Unreasonable Hospitality

This month’s book club pick, Unreasonable Hospitality, had us rethinking everything we know about customer service. In this episode, we’re sharing the stories that stuck with us, the small moments that make a big impact, and how going just a little further can turn an ordinary experience into something unforgettable. From real-life examples to ideas you can actually use, this conversation will leave you inspired to show up differently in your business and everyday life. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

What Happens When You Say Yes to Growth with Aaron Streuter

We sat down with Aaron Streuter, one of our own from our Herrin branch, to talk about his experience going through the Farmers State Bank mentorship program and what he took away from it. This conversation is real, honest, and a great look at what it actually feels like to step outside your comfort zone and figure out where you belong. Aaron shares what surprised him, what challenged him, and how the program helped him see new opportunities for his future. If you’ve ever wondered what growth can look like inside a company or you’re trying to figure out your next step, this episode is one you’ll want to hear. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Why Your Banker Is Asking So Many Questions, and How It Could Save You Thousands

Ever feel like your banker is asking a few too many questions? You’re not alone, and there is actually a really good reason behind it. In this episode, we’re pulling back the curtain on what is really happening behind the teller line and the six key things your bank is watching for to protect you from fraud. From romance scams to fake checks and even AI voice impersonations, we are sharing real stories and simple ways to spot red flags before it is too late. If you have ever wondered why your bank slows things down, this one will change the way you see it. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

FSB Book Club: Rich Girl Nation

This week on the podcast, we kicked off our very first book club of the year with Rich Girl Nation by Katie Gatti Tassin, and let’s just say… it gave us a lot to talk about. This wasn’t one of those books you read and forget about, it challenged the way we think about money, confidence, and the financial rules we’ve all just kind of accepted without question. In this episode, we’re sharing our biggest takeaways, the moments that made us pause, and the mindset shifts that could genuinely change how you approach your finances. If you’ve ever felt like you’re doing “all the right things” but still not getting ahead, this conversation is going to hit home in the best way. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

How to Avoid a $16,000 OSHA Mistake

Workplace safety is important for every business, but when it comes to OSHA reporting and recordkeeping, many employers are not exactly sure what is required or how to do it correctly. If your business has more than 10 employees, there are specific rules you need to follow, and getting them wrong can lead to unnecessary headaches or penalties. Today we are joined by Eric Witges, CEO of FSB Insurance, to help us break down OSHA reporting in a way that is simple, practical, and easy for business owners to understand. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

How to Budget with Commission, Seasonal, or Fluctuating Income

Not everyone gets the same paycheck every two weeks. If you work in sales, earn commission, run a business, or have a seasonal job, your income can look very different throughout the year. In this episode, Ashley and Jill talk about how to build a budget when your income fluctuates and how to “pay yourself” in a way that creates stability even when your earnings go up and down. They walk through practical ways to plan for slow months, handle big commission checks, and avoid the financial rollercoaster that so many people in these careers experience. If your income feels unpredictable, this episode will help you create a system that brings a lot more consistency and peace of mind to your finances. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html