Isn’t That Rich with MyFSB

Turning 65 should come with a birthday cake, not a crash course in alphabet soup! But when Medicare enters the picture, suddenly you're trying to figure out Parts A, B, C, and D, enrollment deadlines, and coverage options you didn't even know existed. We're helping you sort through the letters, understand the basics, and get a better idea of what to expect as you approach this milestone. Because t...

Nobody loves opening their property tax bill, especially when the number is higher than expected! But did you know you have the right to appeal your property's assessed value? We sat down with Josh Smith, Supervisor of Assessments for Williamson County, Illinois, to walk through how the appeal process works, what homeowners should look for on their assessments, and what steps to take if they belie...

Why do some people seem to have it all and still never feel like it’s enough? Why might the guy in the flashy car have less in the bank than the guy in the beat-up truck? This month’s book club dives into The Psychology of Money by Morgan Housel, and we brought along Mitchell Cagle from the Farmers State Bank team, who read right along with us. We get real about our own money habits, from begging...

What would you tell a 21-year-old who just got their first paycheck? Better yet, what would a 21-year-old tell you? This week we sit down with Brock Newman, our new accounts representative at the Harrisburg branch, during his very first hour with the marketing department during his mentorship. Brock explains why your teens and early 20s might be the best saving years of your life. He shares his ow...

When we make a list of the things we insure, the house and the car are usually the first to come to mind. Those are the big ones, and they feel like the obvious things to protect. But for most of us who get up and go to work every week, the single most valuable thing we own is not sitting in the driveway at all. It is our ability to earn a paycheck. That paycheck covers the mortgage, keeps the lig...

We love our pets like family, but almost nobody sits down and does the math before bringing one home. This week we’re add up what a dog really costs from day one, from the leash and the crate to food, grooming, vaccinations, and the flea and tick routine nobody remembers to budget for. Then we get to the part that catches families off guard, the surprise emergency vet bill that can climb into the...

Everyone wants the move-in-ready house. You want to unpack your boxes and start living, not immediately start a list of projects. But move-in ready only tells you how a house looks the day you get the keys. It doesn’t tell you what could be waiting five, ten, or fifteen years down the road. The truth is, every house is a collection of things on a timer. Your roof, HVAC, water heater, appliances an...

What actually happens to your child’s money the day they turn 18? And we mean the actual day. While it may feel like just another birthday, behind the scenes, a lot changes in the eyes of the bank and the law. New financial doors open for your child, while some of the access and control you’ve always had as a parent can suddenly change. Most families don’t realize it until they run into a roadbloc...

You spent the time getting your will just right. But did you know one little form can override the whole thing? This week we dig into beneficiary designations, the payable-on-death and transfer-on-death forms quietly sitting on your bank accounts, retirement plans, and life insurance, and why the name you scribbled down years ago beats whatever your will says. We walk through the mistakes that qui...

This month our MyFSB Book Club read Number Go Up by Zeke Faux, and let us tell you, we walked in thinking we would finally understand crypto and walked out with a whole lot more than that. We are talking mysterious founders nobody can identify, a spreadsheet explanation that actually made the blockchain click, lavish Bahamas mansions, twenty-five-thousand-dollar cartoon apes, and a dark underworld...

The name alone makes it sound sneaky. "Backdoor Roth." It brings to mind Prohibition and slipping through the alley entrance of some speakeasy. But here is the good news we walked away with after this episode: it is completely legal, completely legitimate, and for the right person, it can be a really smart way to build a bucket of tax-free money for the future. We sat down with Jolene Johnson, a f...

Say the word "trust" and most of us picture trust fund babies and generational fortunes. What if we told you that picture is almost entirely wrong? This week, attorney Evan Taylor is back in the studio to clear up one of the most misunderstood topics in personal finance. We are digging into who actually needs a trust, who is just fine with a simple will, and why so many people are better served by...

What if $1,000 today could turn into hundreds of thousands by the time your child is ready to retire? That's the quiet power behind the new Trump Accounts, and this week we're pulling back the curtain on how it all works. We'll start with the free money that gets the account going, then walk through how much your family and your employer can contribute, where the money gets invested, and how it gr...

As students head back to school, it's a great reminder that every child deserves the opportunity to start the year feeling prepared, supported, and encouraged. Kelly Green, Senior Vice President of our Herrin branch and President of the Herrin School Board, joins us to discuss the many resources our local schools provide for students and families, including meal assistance, transportation, counsel...

Ever wonder what actually happens after you hand a teller a check or deposit one through your mobile app? In this episode of Isn't That Rich, we're joined by Ana Richardson, Vice President of Deposit Operations, to pull back the curtain on the check processing system. We explain why banks sometimes place holds on checks, what happens behind the scenes before funds officially clear, why tellers ask...

Forget the badly written emails and the obvious red flags. The fraud happening right now is polished, professional, and specifically designed to fool people who think they know better. In this episode, Jill and Ashley get into exactly why these new scams are working, what's changed, and what it means for how you protect yourself and your money. They cover spoofed numbers, fake verification request...

Be honest. When was the last time a piece of marketing actually stopped you in your tracks? If you can't remember, that's exactly the problem Mark Schaefer tackles in Audacious, and it's exactly why we picked it for our June Book Club. In this episode, we dig into why playing it safe is the riskiest move a brand can make, how the flood of AI-generated content is making "fine" completely forgettabl...

Your pay stub is basically speaking a foreign language, and you've been nodding along for years. FIT, FICA, GTL, HSA, it all sounds like alphabet soup until someone actually explains it. In this episode, we crack the code, line by line, and let you in on a few sneaky money moves hiding in plain sight on that piece of paper you've never actually read. Come for the decoding, stay for the "wait, I ca...

Here is something nobody tells you: you can have a great income and still have a terrible relationship with money. And you can have very little and still be doing everything right. This week Jill and Ashley are talking about what a healthy financial relationship actually looks like, the signs you are there, the signs you are not, and the small steps you can take today to start getting there. This...

If you have a student loan, are paying one back, took one out for your kid, or are about to head to grad school, this episode is not one to skip. Jill and Ashley break down the biggest student loan overhaul in decades, the One Big Beautiful Bill Act, in plain English. No jargon, no lecture, just two people who dug into the research so you don't have to. There are real deadlines coming up fast, and...

Buying your first home is exciting, and completely overwhelming. In this episode, we sit down with Mortgage Loan Originator Taylor Shanks to tackle every question first-time buyers are too nervous to ask. From credit scores and down payments to closing costs and what "pre-approval" actually means, Taylor breaks it all down. Whether you're just starting to dream or already scrolling Zillow at midni...

This month’s book club pick completely changed the way we think about retirement, taxes, and financial freedom. In today’s episode, we break down The Power of Zero by David McKnight in the most real-life, easy-to-understand way possible. We’re talking Roth accounts, why future taxes matter more than most people realize, and how the money you save today could affect your retirement years down the r...

If you've ever paid a $185 tournament registration fee from a parking lot while eating drive-through for dinner, this episode is for you. The real cost of kids' extracurriculars for a typical family of four goes way beyond the number on the flyer. We're talking about the gear, the costumes, the spirit wear, the coach gifts, and the travel hotel that shows up six weeks after you were already emotio...

We all have that one money decision we wish we could go back and redo. Maybe it's the stack of impulse purchases collecting dust in your closet, or the years you spent not contributing to your retirement fund because it just felt so far away. Financial regret is one of the most universal human experiences, and yet it's one of the least talked about. In this episode of Isn't That Rich, we get real...

This week, we’re sitting down with a Dr. Sykes Thompson, who is in the middle of something big… opening his very own eye care practice right here in our community! He shares how he’s always known this was the path for him, but as you’ll hear, knowing your calling and actually building it are two very different things. From finding the right location to making major financial decisions, hiring a te...