Isn’t That Rich with MyFSB

Looking Back on 2025 Together

If you ever wondered what it really looks like when a community bank says, “We’re here for more than transactions,” this episode is it. In this conversation, our marketing team looks back on 2025 and walks through everything we poured our hearts into this year. From hands-on financial literacy events and community celebrations to moments that honored our employees and the people we serve, this episode pulls back the curtain on the why behind the work. It’s honest, a little reflective, and a great reminder that the best impact is often made in the in-between moments. Tune in for a look at the year that shaped us and the community we are proud to be part of. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

How to Give Thoughtfully Without Making a Tax Time Mistake this Holiday

The holiday season brings out the best in people. Everywhere you look there are toy drives, coat drives, Giving Tuesday posts, and countless opportunities to give back. But it is also the time of year when a lot of well-meaning generosity turns into confusion. What actually counts as a charitable donation? What does the IRS allow you to deduct? And how do you give in a way that truly makes an impact without creating a surprise at tax time? In this episode, we sit down with Matt Businaro, CPA and Chief Financial Officer of Farmers State Bank, to talk through how to give thoughtfully, what qualifies for a deduction, and the common mistakes people make during the biggest giving season of the year. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

The 50 Year Mortgage Rumor Everyone Is Talking About and What It Could Cost You

There is a lot of talk online about the idea of a 50 year mortgage. Nothing official has been announced and for now it is all just hearsay. But if it ever becomes reality, it could change the way families buy homes and the way communities grow. In this episode, we break down what a 50 year mortgage might look like, how it compares to a 30 year loan, the real cost hidden inside the monthly payment, and why it could leave buyers with very little equity for a long time. For what it is worth, we share our honest opinion on whether this would help or hurt homebuyers in the long run, and what you can do to protect yourself no matter what the future of lending looks like. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Scammers Smell Tariff Dividend Money. Here’s How They’ll Strike

With all the talk about Americans receiving a tariff dividend check, scammers are already gearing up to strike. In this episode, we break down how fraud exploded during the 2020 stimulus payments and why the same schemes are almost guaranteed to circle back if tariff money ever becomes real. From fake IRS texts to AI voice calls to convincing look-alike websites, scammers will try anything to get between you and your check. We walk you through how the government actually distributes payments and the red flags to watch for so you keep every dollar that belongs to you. Stay informed, stay cautious, and tune in before the scam wave hits your inbox. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Trump's "One Big Beautiful Bill Act" And What It Means For Business Owners

Tax expert Robert Baird sits down with us to walk through Donald Trump’s proposed “One Big Beautiful Bill Act” and what it could mean for business owners here at home. Robbie has a real gift for taking complex tax topics and breaking them into simple, practical insights you can actually use. In this conversation, he explains the major pieces of the proposal, how it may affect private and family-owned businesses, and the key areas to keep an eye on as the conversation in Washington continues to unfold. If you’re looking for clarity, direction, and a calm understanding of what may be ahead, this episode is a great place to start. Tune in to hear Robbie’s full breakdown. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Talk Your Way to Savings: The Art of the Bill Negotiation

Bills go up. You sigh, grumble a little, and pay them anyway. But what if you didn't have to? In this episode, Jill and Ashley walk you through how to politely negotiate lower rates on the everyday things we all pay for. They share personal stories, proven talking points, and easy ways to make those awkward money calls feel totally doable, and worth every penny you save. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

The Cashless Envelope System: How To Budget With Multiple Bank Accounts

Ready to give your budget a glow-up without carrying around stacks of cash? In this episode, we sit down with our mentee, Pyper Colp, to unpack her cashless “envelope” system that uses multiple bank accounts to keep spending intentional and stress-free. You will learn how to choose the right categories, name and fund separate accounts, set up automatic transfers on payday, and spend from one card while protecting yourself from fraud. Pyper also shares real-life tips for avoiding common pitfalls and staying consistent so your goals actually get funded. If you want a simple, upbeat way to save for trips, holidays, car costs, and emergencies without the guesswork, this one is for you. Hit play and start organizing your money like a pro today. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

The Power of Local Partnership: Building a Fiber Future with Protek

If you’ve ever tried to stream a movie, work from home, or help your kids with homework in a rural area, you know the frustration of slow internet all too well. That’s changing in Southern Illinois thanks to Protek Fiber, a local company that decided to take matters into its own hands, and found the right partner in Farmers State Bank to make it happen. In this episode, we’re sitting down with Protek co-owners Cam McCurdy and Josh Watson, along with Chris Healy, President of Guaranteed Lending at Farmers State Bank, to talk about the $20 million financing package that’s helping expand high-speed broadband across our region. From climbing homemade towers to securing USDA-backed funding, this conversation is all about what can happen when local innovators and local lenders team up to bridge the digital divide and build a stronger Southern Illinois. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

What’s Really Happening in the Southern Illinois Short Term Rental Market

The short-term rental market in Southern Illinois is shifting, and hosts across the region are feeling it. This week, Allison Hasler, owner of Southern Illinois Vacation Rentals (SIVR), joins us to give an insider’s look at what’s really happening, from slower bookings and changing traveler habits to the rise of mid-term stays and what’s still working in 2025. Whether you already own a cabin or are thinking about diving into vacation rentals, this episode breaks down the real trends shaping our local market and how to stay ahead in a changing industry. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

W-4 Forms Made Simple

Ever stared at your W-4 and thought, "What does any of this mean?" You're not alone. In this week's episode of Isn't That Rich, Jill and Ashley break down one of the most confusing forms in your new-hire packet, the W-4. From what "qualifying child" really means to how "other dependents" can actually lower your tax bill, we're explaining it all in plain English (and with a few laughs along the way). If you've ever wondered why your paycheck changes or how to make sure you're not over- or under-withholding, this episode is for you. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html
The Isn’t That Rich podcast is intended for educational and informational purposes only. The views and opinions expressed by our hosts and guests are their own and do not constitute financial, legal, accounting, or tax advice. Farmers State Bank and its affiliates are not licensed accountants, financial advisors, or attorneys. For guidance specific to your individual situation, we encourage you to consult with a qualified professional who can provide advice tailored to your personal or business needs.