Isn’t That Rich with MyFSB

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...

This month’s book club pick, Unreasonable Hospitality, had us rethinking everything we know about customer service. In this episode, we’re sharing the stories that stuck with us, the small moments that make a big impact, and how going just a little further can turn an ordinary experience into something unforgettable. From real-life examples to ideas you can actually use, this conversation will lea...

We sat down with Aaron Streuter, one of our own from our Herrin branch, to talk about his experience going through the Farmers State Bank mentorship program and what he took away from it. This conversation is real, honest, and a great look at what it actually feels like to step outside your comfort zone and figure out where you belong. Aaron shares what surprised him, what challenged him, and how...

Ever feel like your banker is asking a few too many questions? You’re not alone, and there is actually a really good reason behind it. In this episode, we’re pulling back the curtain on what is really happening behind the teller line and the six key things your bank is watching for to protect you from fraud. From romance scams to fake checks and even AI voice impersonations, we are sharing real st...

This week on the podcast, we kicked off our very first book club of the year with Rich Girl Nation by Katie Gatti Tassin, and let’s just say… it gave us a lot to talk about. This wasn’t one of those books you read and forget about, it challenged the way we think about money, confidence, and the financial rules we’ve all just kind of accepted without question. In this episode, we’re sharing our big...

Workplace safety is important for every business, but when it comes to OSHA reporting and recordkeeping, many employers are not exactly sure what is required or how to do it correctly. If your business has more than 10 employees, there are specific rules you need to follow, and getting them wrong can lead to unnecessary headaches or penalties. Today we are joined by Eric Witges, CEO of FSB Insuran...

Not everyone gets the same paycheck every two weeks. If you work in sales, earn commission, run a business, or have a seasonal job, your income can look very different throughout the year. In this episode, Ashley and Jill talk about how to build a budget when your income fluctuates and how to “pay yourself” in a way that creates stability even when your earnings go up and down. They walk through p...

What actually happens when you stop spending money on anything that is not essential for an entire month? In this episode, Jill sits down with Ashley to talk about her No Spend January challenge and the surprising things she learned along the way. From the habits we do not even realize we have to the mental tug of convenience spending, Ashley shares what it was really like to cut out the extras fo...

Joint bank accounts can be incredibly useful, but they also come with responsibilities that many people do not fully think through before adding someone to their account. In this episode, we are breaking down when a joint account makes sense and when it might not. We talk through common situations like married couples managing finances together, parents helping their kids learn how to handle money...

Tax season is here, and whether you’re getting a refund or writing a check, it’s the perfect time to reset your financial game plan. In this episode, we’re walking through the five best ways to use your tax return so it actually moves the needle for you, not just disappears on things you won’t remember in a few months. From paying down debt to building savings and making smart investments, we’re b...

Debt piling up from credit cards, personal loans, or unexpected life expenses? You’re not alone, and you’re definitely not out of options. In this episode, we’re sitting down with Mortgage Loan Officer Taylor Abney to talk all things debt consolidation like what it is, when it makes sense, and the biggest do’s and don’ts to be aware of before jumping in. We’re breaking down the difference between...

When most kids are asked what they plan to do after high school, college is often the first and only answer that comes to mind. But what if there are more paths worth exploring before making that decision? In this episode, we sit down with Hannah Maruyama of Degree Free to talk about how parents can help their teens think more strategically about their future, starting with who they are and the li...

Not every good financial decision shows up as saving more or spending less. In this episode, we talk about the money we are genuinely glad we spent and why those choices still feel worth it. From experiences and convenience to purchases that brought peace of mind, we share how spending aligned with your values can improve your life. This is a reminder that intentional spending is not about guilt o...

Big financial milestones tend to get all the attention, but it is often the small, steady wins that quietly move the needle. In this episode, we talk about the progress people rarely celebrate, like paying something off, sticking with a habit, and staying consistent even when life gets busy. We share why these moments deserve more credit, how they build confidence over time, and why showing up imp...

A new year always brings new financial trends, and 2026 is no exception. In this episode, we share our hot take predictions on what we think will shape the money conversations in the year ahead. From shifting spending habits and evolving attitudes toward saving to changes in how people think about work, convenience, and financial security, we talk through what we are already seeing and what we bel...

Health Savings Accounts are often misunderstood or completely overlooked when people choose their health plans. In this episode, we sit down with Tatia Wesley from FSB Insurance to fully explain what an HSA is, who it is designed for, and why it can be such a smart option within the right healthcare plan. We walk through how HSAs work day to day, how they can help cover medical expenses, and why t...

Ever feel like no matter what you do, you’re somehow still behind? Like there’s an invisible checklist you’re supposed to be following and everyone else got the memo except you? The pressure to own a home, save more, be further in your career, or hit certain life milestones can quietly create stress and shame, especially when those “shoulds” don’t line up with your real life. Today we talk honestl...