Isn’t That Rich with MyFSB

Isn’t That Rich Podcast with MyFSB is a finance and business podcast packed with all the tips and tools you need to simplify the confusing, yet everyday questions you have about money. Give your financial knowledge a facelift with hosts Ashley McVicker and Jill Franks as they reveal the best kept banking secrets your high school business teacher never taught you.

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.

Listen on:

  • Apple Podcasts
  • YouTube
  • Podbean App
  • Spotify

Episodes

Monday Aug 25, 2025

Ever wondered how “regular people” are making extra cash online without creating their own products or starting a full-blown business? That’s the power of affiliate marketing. In this episode, we break down exactly what it is, why it’s one of the easiest side hustles to start, and how you can jump in with little to no upfront cost. From choosing your niche and building trust with your audience, to signing up for popular programs like LTK, Amazon Associates, and ShareASale, we’ll walk you through everything you need to know. You’ll also get practical tips for making your recommendations authentic, building real connections, and actually seeing commissions roll in. Whether you’re a blogger, social media user, or just someone with a small circle of influence, this is your beginner-friendly guide to affiliate marketing made simple. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Monday Aug 18, 2025

School is back in session, and for many of us that means it’s time to reset after a summer of road trips, pool days, and maybe a little extra spending. This episode aims to encourage you to give your fall budget a quick tune-up so you can feel confident about where your money’s going. We’ll share practical tips, easy swaps, and a few mindset shifts to help you keep enjoying the season while keeping your finances in check. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Monday Aug 11, 2025

Marketing can feel like a beast. With endless tools, platforms, and advice flying around, it’s easy to feel like you're always one step behind. But here’s the truth: You don’t have to master it all at once. The most successful businesses aren’t doing everything, they’re just doing the right things really well. So whether you’re a brand-new business owner or someone who's been around the block but hasn’t taken the time to nail your marketing strategy, these five foundational steps will give you a solid place to start and grow. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Monday Aug 04, 2025

Still driving to the bank? You might be missing out on some game-changing features. From snapping pics of checks to transferring money in real-time, online banking isn’t just convenient, it’s powerful. In this episode, we sat down with Customer Service Representative Taylor Shanks to uncover the online tools that can save you time, simplify your life, and keep your money moving on your schedule. If you’ve ever wondered what you’re not using (or what your bank account could be doing better), tune in now. You’ll be shocked at what your bank can already do without ever stepping foot in a branch. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Monday Jul 28, 2025

Ever wondered if a CD is worth it and how much you really need to get started? In this episode, we break down smart CD strategies for every savings level, from $1,000 to $1 million. Whether you’re new to saving or sitting on a large lump sum, we’ll explain how to structure your CDs, avoid common mistakes, and even keep more than $250,000 fully insured at one bank. Don’t worry if you’ve never heard of laddering, PODs, or CDARS. We’re explaining it all in simple terms so you can start growing your money with confidence. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Monday Jul 21, 2025

In this episode, we’re sitting down with Ryan Masterson, Partner at Kemper CPA Group and a seasoned expert in business valuation and succession planning. Whether you're years away from selling or just starting to think about your exit strategy, this conversation is packed with insight on what makes a business valuable and what business owners often overlook. From practical steps to prepare for a sale to common mistakes that can cost you in the long run, Ryan shares what every owner needs to know before handing over the keys. If you’ve ever wondered, “What’s my business actually worth?” this one’s for you. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Monday Jul 14, 2025

If you’ve been thinking about a renovation, big purchase, or even paying off some high-interest debt, stop before you empty your savings. In this episode, we sit down with Taylor Abney to talk about HELOCs: what they are, how they work, and why your home might be the smartest place to borrow from. Learn how to unlock the equity you’ve already built, what to watch out for, and how to use a HELOC the right way. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Sunday Jul 06, 2025

If you’ve ever stood in your living room staring at that chipped baseboard or outdated kitchen wondering, “Do I need to fix this before I list?”, you’re not alone. The truth is, prepping your home for sale can feel overwhelming. That’s why we sat down with one of Southern Illinois’s top real estate pros, Shelly Cain of Coldwell Banker J. David Thompson, to break it all down. Shelly has closed more than 271 deals in the past five years alone and knows exactly what makes a buyer walk through the front door, or drive right on past. From curb appeal to carpet choices, we covered it all in this week’s episode and here’s what we learned. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Monday Jun 30, 2025

Would you turn down $85K for a $76K job? After this episode, you just might. Jill and Ashley dive into the hidden value of job benefits, comparing everything from health insurance and retirement match to PTO and remote flexibility, to show how a lower salary can actually be the better deal. If you have ever assumed more money means a better offer, this episode will make you think twice. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Monday Jun 23, 2025

If you’ve been dreaming of homeownership but feel stuck because of the down payment, this episode might just change everything. Jill and Ashley sit down with Chief Mortgage Officer John Streuter to uncover a little-known grant program that could give eligible homebuyers up to $10,000, no strings attached (well, almost none).We’re breaking down exactly how the Downpayment Plus® Program works, who qualifies, and how Farmers State Bank is making it easier than ever to take advantage of it. Whether you’re a first-time buyer or re-entering the market, this is the kind of insider info that can make homeownership feel possible.John shares real stories, simplifies the fine print, and answers questions you didn’t even know you had. If you or someone you know is ready to buy a home, or wants to be ready soon, this is a must-listen.https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

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