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 between you and your check. We walk you through how the government actually distributes payments and the red flags to watch for so you keep every dollar that belongs to you. Stay informed, stay cautious, and tune in before the scam wave hits your inbox. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

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-owned businesses, and the key areas to keep an eye on as the conversation in Washington continues to unfold. If you’re looking for clarity, direction, and a calm understanding of what may be ahead, this episode is a great place to start. Tune in to hear Robbie’s full breakdown. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

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/about-us/isnt-that-rich-podcast/index.html

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 while protecting yourself from fraud. Pyper also shares real-life tips for avoiding common pitfalls and staying consistent so your goals actually get funded. If you want a simple, upbeat way to save for trips, holidays, car costs, and emergencies without the guesswork, this one is for you. Hit play and start organizing your money like a pro today. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

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 Protek co-owners Cam McCurdy and Josh Watson, along with Chris Healy, President of Guaranteed Lending at Farmers State Bank, to talk about the $20 million financing package that’s helping expand high-speed broadband across our region. From climbing homemade towers to securing USDA-backed funding, this conversation is all about what can happen when local innovators and local lenders team up to bridge the digital divide and build a stronger Southern Illinois. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

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 are thinking about diving into vacation rentals, this episode breaks down the real trends shaping our local market and how to stay ahead in a changing industry. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

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). If you've ever wondered why your paycheck changes or how to make sure you're not over- or under-withholding, this episode is for you. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

The Isn’t That Rich podcast is intended for educational and informational purposes only. The views and opinions expressed by our hosts and guests are their own and do not constitute financial, legal, accounting, or tax advice. Farmers State Bank and its affiliates are not licensed accountants, financial advisors, or attorneys. For guidance specific to your individual situation, we encourage you to consult with a qualified professional who can provide advice tailored to your personal or business needs.

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 moment as a Spender, while Jill opens up about her big-picture Dreamer mindset, and together they reveal how understanding your money personality can actually make finances fun. You’ll laugh, you’ll relate, and you might even discover a few things about yourself along the way. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

The Isn’t That Rich podcast is intended for educational and informational purposes only. The views and opinions expressed by our hosts and guests are their own and do not constitute financial, legal, accounting, or tax advice. Farmers State Bank and its affiliates are not licensed accountants, financial advisors, or attorneys. For guidance specific to your individual situation, we encourage you to consult with a qualified professional who can provide advice tailored to your personal or business needs.

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, branding, and smart investing, all while staying true to his roots in faith, family, and the outdoors. In this episode, Trey sits down with us to share his journey, the business behind professional fishing, and what it really takes to build a future on and off the water. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

The Isn’t That Rich podcast is intended for educational and informational purposes only. The views and opinions expressed by our hosts and guests are their own and do not constitute financial, legal, accounting, or tax advice. Farmers State Bank and its affiliates are not licensed accountants, financial advisors, or attorneys. For guidance specific to your individual situation, we encourage you to consult with a qualified professional who can provide advice tailored to your personal or business needs.

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 works best for you. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html