Isn’t That Rich with MyFSB

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.

The Four Spending Personalities: Why You Spend The Way You Do

Ever wonder why you handle money the way you do? In this episode of Isn’t That Rich, we’re unpacking the four money personalities: Saver, Spender, Avoider, and Dreamer. From the thrill of an impulse buy to the comfort of a perfectly balanced budget, we talk about the quirks, strengths, and pitfalls behind each type and how they shape our daily decisions. Jared shares what it’s like to live in the moment as a Spender, while Jill opens up about her big-picture Dreamer mindset, and together they reveal how understanding your money personality can actually make finances fun. You’ll laugh, you’ll relate, and you might even discover a few things about yourself along the way. 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.

The Business Behind the Bass: From Southern Illinois to the Elite Series with Trey McKinney

What does it take to go from a small-town fisherman in Southern Illinois to the youngest Bassmaster Elite Rookie of the Year, and do it all by age 20? Trey McKinney has already reeled in record-breaking wins, secured major sponsorships, and built a reputation as one of the most exciting names in professional fishing. But behind the trophies is a young entrepreneur learning to balance prize money, branding, and smart investing, all while staying true to his roots in faith, family, and the outdoors. In this episode, Trey sits down with us to share his journey, the business behind professional fishing, and what it really takes to build a future on and off the water. 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.

Splitting Bills without the Drama: Roommates, Couples and Spouses

Money conversations can feel awkward, especially when it comes to splitting bills. Whether you’re living with roommates, moving in with a partner, or sharing a life with your spouse, figuring out who pays what can either keep the peace or create tension. In this episode, we’ll break down different ways to share expenses fairly, the pros and cons of each method, and how to find the approach that works best for you. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Why Stay-at-Home Moms Deserve a Seat at the Financial Table

Being a stay-at-home mom is often called “priceless,” but the truth is, if you outsourced every role she fills, from childcare to chef to chauffeur, the bill could top six figures a year. Yet too many moms are left out of the very financial decisions they help make possible. In this episode, we sit down with financial and wellness coach Anna Goff to talk about why stay-at-home moms deserve a seat at the financial table, how to protect yourself legally and financially, and practical steps every mom can take to gain visibility and security. Whether you’re a mom, a spouse, or simply someone who values the work behind a strong family, this conversation will change how you think about money, partnership, and worth.
https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Building a Nonprofit from Scratch: The Story of The Mosaic Initiative

What does it really take to start a nonprofit from scratch—and grow it into an organization making a global impact? In this episode, Jared and Jill sit down with Haley Ottolini, founder of The Mosaic Initiative, a faith-based nonprofit combatting sex trafficking and exploitation. Haley shares her journey of turning a vision into reality, the early challenges and victories of launching a nonprofit, and how Mosaic is raising awareness in Southern Illinois while helping rescue survivors across the world. Whether you’ve dreamed of starting your own nonprofit, want a behind-the-scenes look at how one is built, or simply want to be inspired by a story of courage and impact, this conversation will leave you motivated and hopeful.
https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Why Your Hometown, Community Bank Matters More Than Ever

Banks are more than just places to deposit your paycheck. They are the backbone of small-town life. In this episode, Farmers State Bank CEO Charlie Holland shares how community banks turn local deposits into new jobs, thriving businesses, stronger schools, and safer neighborhoods. From protecting families against fraud to helping Main Street businesses pass from one generation to the next, Charlie explains why local banking matters now more than ever and how it impacts your everyday life in ways you might not expect.
https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

How the IRS's New Rules Could Reshape Your Family's Inheritance

If you think inheriting a retirement account means a no-strings windfall, think again. Starting in 2025, the IRS is tightening the rules on inherited IRAs, and a missed step could cost your family thousands in taxes and penalties. Whether you’re planning to leave money behind or expecting to receive it someday, understanding the new 10-year rule could be the difference between preserving a legacy and watching it slip away. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html