Making Sense of your Cents

We have officially reached 50 episodes of Making Sense of Your Cents! In our Season 2 finale, Daniel and Shanna look at the big picture of family wealth and explore what it truly takes to build and protect a lasting legacy. We strip away the legal intimidation around estate planning to break down the essential differences between Wills and Trusts, explain why every adult needs a Financial Power of...

Are you unknowingly leaving your personal data exposed when traveling? In this episode of Making Sense of Your Cents, Daniel and Shanna break down the essential rules of mobile cybersecurity to keep your identity and finances safe on the road. Daniel walks through the technical mechanics of open WiFi risks and "Evil Twin" hotspots, details why you should never access banking apps over pu...

Are you planning a move in the near future? In this episode of Making Sense of Your Cents, Daniel and Shanna unpack the hidden costs that catch people completely off guard when changing addresses. We look beyond the big-ticket items like truck rentals and security deposits to explore the administrative surprises—like utility connection fees and tag transfers—plus the rapid drain of restocking an e...

Do you actually know what to expect from Social Security when you reach the retirement finish line? In this episode of Making Sense of Your Cents, Daniel and Shanna demystify the federal retirement system to help you navigate your future with total clarity. We break down how your 35 highest-earning years determine your baseline check, explore the real financial trade-offs of claiming at age 62 ver...

What does it truly take to build, adapt, and scale a thriving small business in our local community? In this episode of Making Sense of Your Cents, Daniel and Shanna sit down with local entrepreneur Zack Roskop, founder of Fred’s Around the Corner: Kitchen + Bar (formerly Knox Brew Hub), to discuss the real-world journey of small business growth. Zack shares the story behind evolving from a tour b...

Are you ready to take complete authority over your college budget and keep your savings safe all semester long? In this episode of "Making Sense of Your Cents," Daniel and Shanna break down the ultimate financial survival guide for students taking their first steps into real-world independence. We explore the psychology of managing a single, "finite bucket" of money, share prac...

Are you dreaming of buying the perfect plot of land and building your custom home from the ground up? In this episode of "Making Sense of Your Cents," Daniel and Shanna tear open the ultimate guide to land ownership to reveal what it truly takes to buy raw property safely. We break down the unique rules of land loans compared to traditional mortgages, explore the critical role of purchas...

Are you fully maximizing the unique financial advantages hidden inside your company's benefit package? In this episode of "Making Sense of Your Cents," Daniel and Shanna tear open the ultimate guide to healthcare savings accounts to reveal the tax-free edges of HSAs and FSAs. We demystify the incredible power of the HSA’s "triple tax advantage"— allowing you to save, grow,...

Are you ready to beat the back-to-school budget rush and keep your monthly finances perfectly on track? In this episode of "Making Sense of Your Cents," Daniel and Shanna break down a stress-free game plan to handle the classroom supply list without breaking the bank. We explore the psychology behind seasonal spending traps, explain why periodic expenses often disrupt our baseline tracki...

Are you fully protecting your children from the hidden threat of identity fraud? In this episode of "Making Sense of Your Cents," Daniel and Shanna explore the critical topic of child identity theft and explain why minors are prime targets for silent credit exploitation. We break down the standard warning signs of identity fraud—from pre-approved credit offers in a child's name to u...

Are you ready to take complete control of your loan timelines and keep more money in your pocket? In this episode of "Making Sense of Your Cents," Daniel and Shanna reframe the entire conversation around borrowing by exploring the positive relationship between time and money. We break down the standard mechanics of loan payoff schedules to reveal exactly how interest works over the life...

Do you actually know where your hard-earned money goes before it hits your checking account? In this episode of "Making Sense of Your Cents," Daniel and Shanna tear open the grand mystery of your paystub to break down the fundamental mechanics of Gross vs. Net pay. We strip away the confusing payroll shorthand to reveal exactly how federal taxes, state withholdings, and mandatory protect...

Are you ready to take the intimidation out of investing? In this episode of "Making Sense of Your Cents," Daniel and Shanna break down the foundational concepts of building long term wealth. We’re joined by special guest Clark Denton, Sr. Partner with Denton Financial Group, to discuss the practical side of investment planning. We cover the power of the employer 401k match, the differenc...

Are you on track to hit your financial goals for 2026? It’s officially the halfway mark of the year, which makes it the perfect time for a mid-year check-in. In this episode of "Making Sense of Your Cents," Daniel and Shanna walk you through a simple, four-step review process to ensure your money is still working toward the goals you set in January. We discuss why you should avoid waitin...

Life insurance can feel overwhelming, but it doesn't have to be. In this episode of "Making Sense of Your Cents," Daniel and Shanna strip away the jargon to explain the fundamental differences between Term and Whole life insurance. We break down who each policy is designed for, why Term is often the best fit for young families, and how Whole Life insurance fits into long-term legacy...

How do you teach your kids about money without it becoming a chore? In this episode of "Making Sense of Your Cents," Daniel and Shanna break down the "Three-Jar System" for kids under twelve—an easy, visual way to introduce the concepts of spending, saving, and giving. We discuss why giving your kids the freedom to make small "money mistakes" now is the best way to pr...

Planning a getaway doesn't have to mean planning for debt! In this episode of "Making Sense of Your Cents," Daniel and Shanna break down the "Sinking Fund" strategy—the smartest way to pay for your vacation before you ever leave the driveway. We discuss the hidden costs of using credit for travel, the psychology of "guilt-free" spending, and how to automate your...

 Why did your monthly mortgage payment suddenly go up? In this episode of "Making Sense of Your Cents," Daniel and Shanna demystify the escrow account. We explain the difference between a fixed-rate mortgage and a fixed monthly payment, break down the "Annual Escrow Analysis," and explain the mandatory account "cushion" required by federal regulations. We also detail...

Peer-to-peer (P2P) apps like Zelle, Venmo, and Cash App have revolutionized how we split dinner bills and pay friends back—but are you using them safely? In this episode, we break down the reality of P2P payments: why they should be treated like digital cash, the common "accidental payment" scam, and the specific settings you need to lock down in your apps today. Tune in to learn how to...

Are you ready to turn your hobby into a business? In this episode, Daniel and Shanna are joined by Chris Rodes, founder of Hangar 37 Coffee , to discuss the transition from side hustle to small business owner. We explore the "Shoebox Moment," the importance of drawing a "Clean Line" between personal and business funds, and why local decisions are the true engine of growth. Tune...

Is "subscription creep" draining your bank account? In this episode, Daniel and Shanna help you perform a "Financial Spring Cleaning." We explore the rise of the subscription economy, the psychology of "Dark Patterns" designed to keep you paying, and why "ghost subscriptions" are so easy to ignore. Tune in to learn how to hunt down hidden charges in your app...

Scammers are no longer just sending suspicious emails—they’re using Artificial Intelligence to clone the voices of the people you love. In this episode, Daniel and Shanna dive into the "New Frontier of Fraud," explaining how AI can mimic a relative in distress with terrifying accuracy using just a 30-second clip from social media. We break down how voice cloning technology works, why you...

Your money has power—not just for you, but for your entire community. In this episode, Daniel and Shanna explain what it actually means to be "Rooted in Community" at First Century Bank. We trace the "Life Cycle of a Local Dollar" to show how your deposits fuel local dreams, and we compare the human-driven decisions of our Loan Committee—comprised of senior management who live...

Don’t let the "new car smell" cloud your judgment! In this episode, Daniel and Shanna take you behind the scenes of the auto industry to show you how to walk onto a car lot with total confidence. We break down the massive advantage of stopping by the bank to run your actual numbers first, explain the 20/4/10 rule for budgeting, and reveal why "GAP insurance" might be the most i...

Welcome to the Season 2 premiere of "Making Sense of Your Cents!" With the tax deadline just 24 hours away, Daniel and Shanna are here to help lower your financial blood pressure. In this episode, we provide a last-minute sanity check by breaking down the critical difference between an extension to file and an extension to pay. We also debunk the myth of the "big tax refund" an...