Isn’t That Rich with MyFSB

Are you missing out on these online banking perks?

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

CDs at Every Savings Amount: What to Do With $1K, $10K, $100K or More

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

The Business Valuation Episode Every Owner Should Hear

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

Don’t Drain Your Savings, Borrow From Your House Instead

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

Fix it or Forget it? What Actually Sells a Home

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

When $76K Beats $85K: The Hidden Power of Job Benefits

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

The $10,000 Homebuying Secret You’ve Probably Never Heard Of

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

It’s a Business, Not a Hobby: Charging Fairly Without Apologizing

How do you confidently charge for something you pour your heart into? In this episode of Isn’t That Rich, Jill, Jared, and Ashley dive into the emotional side of pricing your work, especially when it feels personal. They unpack the guilt, the second-guessing, and the all-too-common “Can I get a deal?” moments that come with creative or service-based work. If you’ve ever wondered how to set fair prices, stand by them, and still feel good about what you do, this conversation is the permission and perspective shift you’ve been waiting for.https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

The Big Impact of a Small-Town Festival - Pulling Back the Curtain on HerrinFesta Italiana

Each Memorial Day weekend, Herrin, Illinois transforms into a vibrant celebration of culture, community, and carnival rides. But behind the funnel cakes and Ferris wheels is a team of passionate volunteers, decades of tradition, and a whole lot of planning. We sat down with HerrinFesta co-chairs Joey Helleny and Kelly Green to uncover the rich story, and massive effort, behind this beloved Southern Illinois tradition.https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html00:00 Introduction and Guest Welcome00:44 History and Roles of the Co-Chairmen01:46 First Year as Co-Chairmen03:49 Festival Planning and Community Impact05:25 Transition from Big Concerts to Free Entertainment10:51 Volunteer Efforts and Economic Influence18:45 Origins and Heritage of Heron Festa22:37 Celebrating Heron's 125th Anniversary26:24 Community Support and Sponsorships29:07 Sponsor Involvement and Perks29:53 Special Meals and Networking Opportunities31:29 The Grand Parade and Midway34:18 Community Contributions and Scholarships38:35 Heritage and Community Involvement44:39 Favorite Festa Moments and Performances48:47 Wrapping Up and Future Plans

You’ve Got the Degree…Now What? A Financial Survival Guide for New Grads

Graduation is exciting—but what happens when the diploma turns into bills, student loans, and your first paycheck? This episode is your no-fluff guide to the financial moves that actually matter after graduation. Learn how to set up the right checking and savings accounts, use your grace period to get ahead on student loans, build credit without debt, and take advantage of compound interest starting now. Whether you’re landing your first job or figuring out how to make your grad money last past the weekend, this episode will help you start strong and stay smart with your money, no business degree required.https://www.myfsb.com/about-us/isnt-t...