Isn’t That Rich with MyFSB

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...

The Secret to Protecting Your Business Partnership, Even from Each Other

If you own a business with someone else, this is the episode you can’t afford to skip. We’re sitting down with two of our insurance pros, Eric Witges and Nathan Ashby, to talk about buy-sell agreements—what they are, how they protect your business when life throws a curveball, and why every partnership needs one. Whether it’s an unexpected death, disability, or just one partner wanting out, a buy-sell agreement can keep your business from turning into a legal and financial nightmare. We’ll break it down in plain English, share real-world examples, and explain how insurance plays a key role in funding the plan—so you and your partner can focus on building your business, not untangling it.

Credit Card Rewards Part 3: How to Redeem Your Points for Dream Trips and Hotel Stays

In Part 3 of our Credit Card Rewards series, we’re breaking down exactly how to redeem your points for maximum value—from flights and hotels to lie-flat seats and luxury escapes. We’ll walk you through real redemption examples, show you how to avoid rookie mistakes, and reveal our favorite tools (like Point.me and Points Path) to find the best deals fast. Whether you’ve got 20,000 points or 200,000, this is your step-by-step guide to turning them into your next vacation.00:00 Introduction and Series Recap00:44 Ashley Gets the Chase Sapphire Preferred01:16 Understanding Credit Card Promotions03:13 Redeeming Points for Travel04:01 Booking Through Credit Card Portals06:25 Maximizing Points Value12:02 Leveraging Technology for Award Flights14:37 Using Points.me for Award Flights21:46 Understanding Points Transfer22:05 Using Technology for Reward Flights23:13 Setting Up Loyalty Accounts25:58 Linking Loyalty Accounts to Credit Card Portals27:36 Searching for Availability and Comparing Costs29:33 Calculating Transfers and Watching for Bonuses30:47 Final Steps: Transfer and Book Immediately33:19 Exploring Airline and Hotel Partners40:12 Maximizing Point Value and Final Tipshttps://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

Credit Card Rewards Part 2: The Ultimate Guide to Strategic Spending for Big Rewards

Credit Card Rewards Part 2 is here—and this is where the magic happens. If you’ve ever opened a rewards card and missed the bonus by a few dollars, or wondered how other people are flying first class on points alone, this episode is for you. We’re diving deep into how to maximize your spending, hit those sign-up bonuses without overspending, and turn everyday bills into serious point power. Whether you're just getting started or ready to level up, this is the blueprint for racking up rewards like a pro.00:00 Introduction to the Podcast Series00:15 Recap of Previous Episode00:57 Maximizing Credit Card Points01:22 Signup Bonuses Explained05:45 Finding the Best Credit Card Offers12:42 Strategic Spending for Signup Bonuses20:52 Referral Points and Other Bonus Strategies23:55 Choosing the Right Credit Card24:36 Maximizing Rewards Based on Spending26:23 Strategic Use of Multiple Credit Cards28:03 Impact of Credit Cards on Credit Score30:16 Maximizing Bonus Category Spending39:37 Shopping Portals and Stacking Points43:10 Planning a Trip with Points47:09 Conclusion and Next Episode Teaserhttps://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

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