Isn’t That Rich with MyFSB

If you ever wondered what it really looks like when a community bank says, “We’re here for more than transactions,” this episode is it. In this conversation, our marketing team looks back on 2025 and walks through everything we poured our hearts into this year. From hands-on financial literacy events and community celebrations to moments that honored our employees and the people we serve, this epi...

The holiday season brings out the best in people. Everywhere you look there are toy drives, coat drives, Giving Tuesday posts, and countless opportunities to give back. But it is also the time of year when a lot of well-meaning generosity turns into confusion. What actually counts as a charitable donation? What does the IRS allow you to deduct? And how do you give in a way that truly makes an impa...

There is a lot of talk online about the idea of a 50 year mortgage. Nothing official has been announced and for now it is all just hearsay. But if it ever becomes reality, it could change the way families buy homes and the way communities grow. In this episode, we break down what a 50 year mortgage might look like, how it compares to a 30 year loan, the real cost hidden inside the monthly payment,...

With all the talk about Americans receiving a tariff dividend check, scammers are already gearing up to strike. In this episode, we break down how fraud exploded during the 2020 stimulus payments and why the same schemes are almost guaranteed to circle back if tariff money ever becomes real. From fake IRS texts to AI voice calls to convincing look-alike websites, scammers will try anything to get...

Tax expert Robert Baird sits down with us to walk through Donald Trump’s proposed “One Big Beautiful Bill Act” and what it could mean for business owners here at home. Robbie has a real gift for taking complex tax topics and breaking them into simple, practical insights you can actually use. In this conversation, he explains the major pieces of the proposal, how it may affect private and family-ow...

Bills go up. You sigh, grumble a little, and pay them anyway. But what if you didn't have to? In this episode, Jill and Ashley walk you through how to politely negotiate lower rates on the everyday things we all pay for. They share personal stories, proven talking points, and easy ways to make those awkward money calls feel totally doable, and worth every penny you save. https://www.myfsb.com/abou...

Ready to give your budget a glow-up without carrying around stacks of cash? In this episode, we sit down with our mentee, Pyper Colp, to unpack her cashless “envelope” system that uses multiple bank accounts to keep spending intentional and stress-free. You will learn how to choose the right categories, name and fund separate accounts, set up automatic transfers on payday, and spend from one card...

The short-term rental market in Southern Illinois is shifting, and hosts across the region are feeling it. This week, Allison Hasler, owner of Southern Illinois Vacation Rentals (SIVR), joins us to give an insider’s look at what’s really happening, from slower bookings and changing traveler habits to the rise of mid-term stays and what’s still working in 2025. Whether you already own a cabin or ar...

If you’ve ever tried to stream a movie, work from home, or help your kids with homework in a rural area, you know the frustration of slow internet all too well. That’s changing in Southern Illinois thanks to Protek Fiber, a local company that decided to take matters into its own hands, and found the right partner in Farmers State Bank to make it happen. In this episode, we’re sitting down with Pro...

Ever stared at your W-4 and thought, "What does any of this mean?" You're not alone. In this week's episode of Isn't That Rich, Jill and Ashley break down one of the most confusing forms in your new-hire packet, the W-4. From what "qualifying child" really means to how "other dependents" can actually lower your tax bill, we're explaining it all in plain English (and with a few laughs along the way...

Ever wonder why you handle money the way you do? In this episode of Isn’t That Rich, we’re unpacking the four money personalities: Saver, Spender, Avoider, and Dreamer. From the thrill of an impulse buy to the comfort of a perfectly balanced budget, we talk about the quirks, strengths, and pitfalls behind each type and how they shape our daily decisions. Jared shares what it’s like to live in the...

What does it take to go from a small-town fisherman in Southern Illinois to the youngest Bassmaster Elite Rookie of the Year, and do it all by age 20? Trey McKinney has already reeled in record-breaking wins, secured major sponsorships, and built a reputation as one of the most exciting names in professional fishing. But behind the trophies is a young entrepreneur learning to balance prize money,...

Money conversations can feel awkward, especially when it comes to splitting bills. Whether you’re living with roommates, moving in with a partner, or sharing a life with your spouse, figuring out who pays what can either keep the peace or create tension. In this episode, we’ll break down different ways to share expenses fairly, the pros and cons of each method, and how to find the approach that wo...

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...

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,...

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...

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...

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...

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 keepin...

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...

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. I...

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...

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 s...

If you’ve been thinking about a renovation, big purchase, or even paying off some high-interest debt, stop before you empty your savings. In this episode, we sit down with Taylor Abney to talk about HELOCs: what they are, how they work, and why your home might be the smartest place to borrow from. Learn how to unlock the equity you’ve already built, what to watch out for, and how to use a HELOC th...

If you’ve ever stood in your living room staring at that chipped baseboard or outdated kitchen wondering, “Do I need to fix this before I list?”, you’re not alone. The truth is, prepping your home for sale can feel overwhelming. That’s why we sat down with one of Southern Illinois’s top real estate pros, Shelly Cain of Coldwell Banker J. David Thompson, to break it all down. Shelly has closed more...