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.

Episodes

Sep 22, 2025

40 min

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

Sep 15, 2025

1hr 2 min

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

Sep 8, 2025

40 min

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

Sep 1, 2025

45 min

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

Aug 25, 2025

35 min

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

Aug 18, 2025

20 min

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

Aug 11, 2025

51 min

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

Aug 4, 2025

53 min

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

Jul 28, 2025

32 min

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

Jul 21, 2025

47 min

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

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