Isn’t That Rich with MyFSB

Would you turn down $85K for a $76K job? After this episode, you just might. Jill and Ashley dive into the hidden value of job benefits, comparing everything from health insurance and retirement match to PTO and remote flexibility, to show how a lower salary can actually be the better deal. If you have ever assumed more money means a better offer, this episode will make you think twice. https://ww...

If you’ve been dreaming of homeownership but feel stuck because of the down payment, this episode might just change everything. Jill and Ashley sit down with Chief Mortgage Officer John Streuter to uncover a little-known grant program that could give eligible homebuyers up to $10,000, no strings attached (well, almost none).We’re breaking down exactly how the Downpayment Plus® Program works, who q...

How do you confidently charge for something you pour your heart into? In this episode of Isn’t That Rich, Jill, Jared, and Ashley dive into the emotional side of pricing your work, especially when it feels personal. They unpack the guilt, the second-guessing, and the all-too-common “Can I get a deal?” moments that come with creative or service-based work. If you’ve ever wondered how to set fair pr...

Each Memorial Day weekend, Herrin, Illinois transforms into a vibrant celebration of culture, community, and carnival rides. But behind the funnel cakes and Ferris wheels is a team of passionate volunteers, decades of tradition, and a whole lot of planning. We sat down with HerrinFesta co-chairs Joey Helleny and Kelly Green to uncover the rich story, and massive effort, behind this beloved Souther...

Graduation is exciting—but what happens when the diploma turns into bills, student loans, and your first paycheck? This episode is your no-fluff guide to the financial moves that actually matter after graduation. Learn how to set up the right checking and savings accounts, use your grace period to get ahead on student loans, build credit without debt, and take advantage of compound interest starti...

If you own a business with someone else, this is the episode you can’t afford to skip. We’re sitting down with two of our insurance pros, Eric Witges and Nathan Ashby, to talk about buy-sell agreements—what they are, how they protect your business when life throws a curveball, and why every partnership needs one. Whether it’s an unexpected death, disability, or just one partner wanting out, a buy-...

In Part 3 of our Credit Card Rewards series, we’re breaking down exactly how to redeem your points for maximum value—from flights and hotels to lie-flat seats and luxury escapes. We’ll walk you through real redemption examples, show you how to avoid rookie mistakes, and reveal our favorite tools (like Point.me and Points Path) to find the best deals fast. Whether you’ve got 20,000 points or 200,00...

Credit Card Rewards Part 2 is here—and this is where the magic happens. If you’ve ever opened a rewards card and missed the bonus by a few dollars, or wondered how other people are flying first class on points alone, this episode is for you. We’re diving deep into how to maximize your spending, hit those sign-up bonuses without overspending, and turn everyday bills into serious point power. Whethe...

Think credit card points are just a fun little perk? Think again. In this episode, we’re spilling the tea on why points are actually their own secret currency—with rules, restrictions, and real-world value. We’ll break down the three types of rewards cards (cash back, co-branded, and transferable), how banks can afford to hand out free trips, and why your points might even belong in your prenup an...

Have you ever wondered what actually happens when someone leaves you a trust? In this episode of Isn’t That Rich, we sit down with attorney and partner at Lawler Brown Law Firm, Evan Taylor, to walk through exactly what unfolds—step by step—when you’re named as a beneficiary in a trust. From understanding what a trust really is and what assets go in it, to how and when distributions happen, and wh...

In this episode, we’re diving into the smartest ways to invest your tax return instead of blowing it on impulse buys or temporary thrills. Whether you’re getting a few hundred or a few thousand back, that money can be a powerful tool to level up your life—if you play it right. We’re talking real strategies: from building a mini emergency fund and paying off high-interest debt, to investing in your...

Thinking about buying a home but not quite ready to take the leap? In this episode of Isn't That Rich, Jill and Ashley unpack the world of rent-to-own homes - a flexible path to homeownership that might be just what you need. They break down how it works, the pros and cons, and how you can use the lease period to build your credit and get financially ready to buy. Plus, they share a detailed check...

When disaster strikes, your first thought is survival - but what about your money? In this episode, we break down exactly how to financially prepare for the unexpected, from tornados to fires to floods. We'll show you what to do before, during, and after a crisis to protect your finances, access your money even if your bank is closed, and avoid common pitfalls (like assuming insurance pays out rig...

What would happen if your most valuable employee suddenly couldn't work? Whether you're a small business owner or leading a major company, losing a key team member can be devastating. In this episode of Isn’t That Rich, Ashley and Jared sit down with Ryan Hallam from Pekin Insurance to break down Key Person Insurance—the secret weapon smart businesses use to protect themselves from unexpected loss...

If you want to kick off next month feeling confident about your finances, the secret is in how you wrap up this one. In our latest podcast episode, we’re sharing an easy, step-by-step financial to-do list that’ll help you clean up this month’s budget, set goals, and get ahead of the game. It’s all about small steps now that lead to big wins later. Tune in and get ready to start the new month on th...

What would you do if your wallet went missing? Most of us carry our whole lives in our wallets—credit cards, IDs, insurance cards, and maybe even a bit of cash. But what happens when it all goes missing? Before panic sets in, tune into our latest episode to learn the exact steps to take when your wallet is lost or stolen. We’ll guide you through everything from freezing your accounts to preventing...

Buy Now, Pay Later sounds like a shopper’s dream—split your payments with no interest, no problem. But is it really that simple? Behind the glossy marketing lies a financial tool that’s both powerful and risky. In this episode, we’re diving into the fine print, exploring the psychology of BNPL, and revealing the surprising ways it could be draining your wallet. Don’t make another payment plan deci...

Imagine this: one text message, one phone call, or one email could cost you thousands of dollars—or worse, your peace of mind. In our increasingly digital world, fraud is more sophisticated and pervasive than ever before, targeting individuals and businesses alike. That’s why we’re bringing you our Fraud Defense Seminar, where you’ll hear real-life stories of scams, uncover the latest fraud trends...

Online banking has made managing your money more convenient than ever—but are you using it to its full potential? In this episode, we’re sharing 7 essential tips every online banking customer needs to know. From boosting your account security to taking advantage of hidden features that can save you time and money, these tips are game-changers. Whether you’re a seasoned pro or just getting started,...

Exploring the Mentorship Program at Farmer State Bank In this episode of the Isn't That Rich podcast, hosts Jill and a co-host engage in a deep dive with their co-worker Becca Hertz, who has recently completed the mentorship program at Farmer State Bank. Becca shares her journey from part-time teller to full-time employee, detailing the application process, her roles in customer service, and how s...

Think you know how much it costs to have a baby? Think again. From prenatal care surprises to jaw-dropping hospital bills and even your newborn's first invoice (yes, babies get bills too!), new mom Shannyn Olson is spilling the financial tea on what it really takes to bring a baby into the world. Whether you're planning for a family or just curious about the hidden costs of parenthood, this episod...

Escrow: the word every homeowner hears but few truly understand. What is it, why do you need it, and how does it shape your mortgage payments? In this episode, we sit down with Crystal Wright, the go-to expert at Farmers State Bank, to demystify the world of escrow. We’re covering everything from how it works to what happens during an escrow analysis, plus tips for avoiding surprises like shortage...

Tired of drowning in spam emails, dodging telemarketers, and wading through piles of junk mail every time you check the mailbox? Trust us, you're not alone—and we've got the ultimate cheat sheet to help you cut the clutter and reclaim your time. From sneaky tricks to stop those pesky credit card offers to insider hacks for silencing telemarketers for good, this is your one-stop guide to declutteri...

If saving money feels like a chore or something you’ll “get around to later,” than this episode is for you. We’re sharing 5 practical and creative savings challenges to help you jumpstart your financial goals this year. These aren’t complicated plans or impossible commitments—they’re fun, easy ways to build better habits and watch your savings grow. Whether you’re setting aside $5 bills, rounding...

In this episode of 'Isn't That Rich' podcast, hosts Jared and Ashley dive into the importance of having an emergency fund during uncertain times. They discuss what an emergency fund is, share tips and challenges for building one, and recommend placing it in a high-yield savings account. They also provide practical advice on how to save efficiently, identify real emergencies, and offer strategies t...