Isn’t That Rich with MyFSB

The Beginner’s Guide to Reward Credit Cards

Think credit card points are just a fun little perk? Think again. In this episode, we’re spilling the tea on why points are actually their own secret currency—with rules, restrictions, and real-world value. We’ll break down the three types of rewards cards (cash back, co-branded, and transferable), how banks can afford to hand out free trips, and why your points might even belong in your prenup and estate plan. Whether you're a points newbie or just tired of wondering if you're doing it right—this episode is your roadmap to start playing the rewards game.Navigating Credit Card Points: Unlocking Rewards and Benefits00:00 Introduction to Credit Card Points and Miles00:21 Understanding the Value of Credit Card Points00:50 Exploring the Mechanics of Credit Card Points01:19 Real-World Examples and Personal Experiences02:22 The Loyalty Ecosystem and Point Devaluation03:29 Tax Implications and Limitations of Points08:23 Inheritance and Legal Considerations11:26 Funding Rewards: How Banks Make Money15:07 Types of Reward Cards: Cash Back22:20 Types of Reward Cards: Co-Branded Travel Cards25:58 Credit Cards for Specific Brands27:23 Downsides of Brand-Specific Credit Cards28:59 Transferable Bank Reward Cards29:45 Maximizing Points with Shopping Portals31:34 Top Reward Programs and Cards33:11 Built Rewards and Niche Credit Cards34:54 Transferring Points to Loyalty Partners36:15 Choosing the Right Credit Card46:20 Signup Bonuses and Strategic Spending48:39 Ground Rules for Credit Card Rewards52:24 Episode Recap and Next Steps

So You’ve Been Left a Trust… Now What?

Have you ever wondered what actually happens when someone leaves you a trust? In this episode of Isn’t That Rich, we sit down with attorney and partner at Lawler Brown Law Firm, Evan Taylor, to walk through exactly what unfolds—step by step—when you’re named as a beneficiary in a trust. From understanding what a trust really is and what assets go in it, to how and when distributions happen, and what role the trustee plays (hint: it’s more powerful than you think), we’re breaking down everything you need to know. Plus, Evan answers the questions most people don’t even know to ask—like, do trusts last forever? Can you lose your inheritance? And what if things get messy? Whether you’ve been named in a trust or you’re thinking of setting one up, this episode is packed with real-life insight and expert advice you can’t afford to miss.

Do This, Not That Tax Return Edition

In this episode, we’re diving into the smartest ways to invest your tax return instead of blowing it on impulse buys or temporary thrills. Whether you’re getting a few hundred or a few thousand back, that money can be a powerful tool to level up your life—if you play it right. We’re talking real strategies: from building a mini emergency fund and paying off high-interest debt, to investing in your future through stocks, a side hustle, or even your personal development. Tune in as we break down what to do and what to avoid, so your refund works for you long after tax season is over.00:00 Introduction to Tax Returns00:56 Understanding Tax Refunds02:03 Smart Ways to Use Your Tax Refund04:20 Investing in Savings Accounts11:25 Paying Off Debt and Investing in Retirement15:55 Final Thoughts and Conclusionhttps://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

The Truth About Rent-to-Own: What to Know Before You Sign - Isn’t That Rich Podcast Ep. 114

Thinking about buying a home but not quite ready to take the leap? In this episode of Isn't That Rich, Jill and Ashley unpack the world of rent-to-own homes - a flexible path to homeownership that might be just what you need. They break down how it works, the pros and cons, and how you can use the lease period to build your credit and get financially ready to buy. Plus, they share a detailed checklist of everything you should make sure is included in your lease and purchase option agreement. If you've ever felt stuck between renting and buying, this one's for you.https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Episode 113: You’ve Got 60 Seconds to Evacuate - Are Your Finances Ready?

When disaster strikes, your first thought is survival - but what about your money? In this episode, we break down exactly how to financially prepare for the unexpected, from tornados to fires to floods. We'll show you what to do before, during, and after a crisis to protect your finances, access your money even if your bank is closed, and avoid common pitfalls (like assuming insurance pays out right away-it doesn't). Whether you've lived through a storm or just want to be ready for whatever life throws your way, this episode is a must-listen.https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Business Insurance You Can’t Afford to Ignore: Key Person Coverage

What would happen if your most valuable employee suddenly couldn't work? Whether you're a small business owner or leading a major company, losing a key team member can be devastating. In this episode of Isn’t That Rich, Ashley and Jared sit down with Ryan Hallam from Pekin Insurance to break down Key Person Insurance—the secret weapon smart businesses use to protect themselves from unexpected losses. From real-life stories of businesses saved by these policies to surprising ways they can be used for retention and succession planning, this episode is packed with valuable insights. Don’t leave your business vulnerable—hit play now and get the inside scoop on how to safeguard your success!https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

The Ultimate End-of-Month Financial Checklist

If you want to kick off next month feeling confident about your finances, the secret is in how you wrap up this one. In our latest podcast episode, we’re sharing an easy, step-by-step financial to-do list that’ll help you clean up this month’s budget, set goals, and get ahead of the game. It’s all about small steps now that lead to big wins later. Tune in and get ready to start the new month on the right foot!https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

What To Do When Your Wallet Goes Missing - Isn’t That Rich Podcast | Ep. 110

What would you do if your wallet went missing? Most of us carry our whole lives in our wallets—credit cards, IDs, insurance cards, and maybe even a bit of cash. But what happens when it all goes missing? Before panic sets in, tune into our latest episode to learn the exact steps to take when your wallet is lost or stolen. We’ll guide you through everything from freezing your accounts to preventing identity theft. You’ll want to know this before it happens—trust us!https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Episode 109: Buy Now, Pay Later: A Lifesaver or Your Wallet’s Worst Nightmare?

Buy Now, Pay Later sounds like a shopper’s dream—split your payments with no interest, no problem. But is it really that simple? Behind the glossy marketing lies a financial tool that’s both powerful and risky. In this episode, we’re diving into the fine print, exploring the psychology of BNPL, and revealing the surprising ways it could be draining your wallet. Don’t make another payment plan decision before you listen!

Farmers State Bank Fraud Defense Seminar - Isn’t That Rich Podcast Episode 108

Imagine this: one text message, one phone call, or one email could cost you thousands of dollars—or worse, your peace of mind. In our increasingly digital world, fraud is more sophisticated and pervasive than ever before, targeting individuals and businesses alike. That’s why we’re bringing you our Fraud Defense Seminar, where you’ll hear real-life stories of scams, uncover the latest fraud trends, and gain actionable strategies to protect yourself and your finances. Whether you’re a seasoned business owner, a retiree, or just starting your financial journey, this seminar equips you with the knowledge and tools to outsmart fraudsters. Don’t miss this opportunity to safeguard what matters most!At Farmers State Bank, the core of our story is a simple truth: no one serves you better. Here, we share insights on financial wellness, tips for smart banking, and updates on our community involvement. Whether you’re looking to improve your personal finances, stay informed about banking trends, or learn more about our services, you’ll find valuable content designed to help you achieve your financial goals. Subscribe and join us on the journey to financial success! http://www.myfsb.com