Isn’t That Rich with MyFSB

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

The name alone makes it sound sneaky. "Backdoor Roth." It brings to mind Prohibition and slipping through the alley entrance of some speakeasy. But here is the good news we walked away with after this episode: it is completely legal, completely legitimate, and for the right person, it can be a really smart way to build a bucket of tax-free money for the future. We sat down with Jolene Johnson, a financial advisor with Kemper Capital Management, to make sense of it all. Jolene has spent 20 years helping individuals, families, and business owners turn their financial goals into real plans, and she has a gift for taking something that sounds complicated and making it feel doable. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Say the word "trust" and most of us picture trust fund babies and generational fortunes. What if we told you that picture is almost entirely wrong? This week, attorney Evan Taylor is back in the studio to clear up one of the most misunderstood topics in personal finance. We are digging into who actually needs a trust, who is just fine with a simple will, and why so many people are better served by one than they ever realized. Evan breaks it all down in plain English, from the real difference between a will and a trust, to the one step people skip that quietly undoes the whole plan, to the surprising reasons a trust protects families of every size and income level. Whether you own a little or a lot, this conversation will change how you think about protecting what matters most. Grab your headphones for this one. You will walk away with a whole new sense of peace of mind, and probably a few questions you have been putting off for far too long. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

What if $1,000 today could turn into hundreds of thousands by the time your child is ready to retire? That's the quiet power behind the new Trump Accounts, and this week we're pulling back the curtain on how it all works. We'll start with the free money that gets the account going, then walk through how much your family and your employer can contribute, where the money gets invested, and how it grows year after year without anybody touching it. Then we get to the part that really matters: the decision your child faces at 18, where they can spend it, or leave it alone and let it become a genuine nest egg. It's the difference between a nice head start and life-changing money. A small beginning, a huge finish, and it starts with one account. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

As students head back to school, it's a great reminder that every child deserves the opportunity to start the year feeling prepared, supported, and encouraged. Kelly Green, Senior Vice President of our Herrin branch and President of the Herrin School Board, joins us to discuss the many resources our local schools provide for students and families, including meal assistance, transportation, counseling services, and other programs that help remove barriers to learning. We also talk about how each of us can make a difference this school year. Sometimes helping is as simple as buying an extra backpack, donating school supplies, volunteering, or reaching out to ask your local school what they need most. A strong school year starts with a strong community, and together, we can help every student feel supported from day one. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

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