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 and watching it slip away. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

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 signing up for popular programs like LTK, Amazon Associates, and ShareASale, we’ll walk you through everything you need to know. You’ll also get practical tips for making your recommendations authentic, building real connections, and actually seeing commissions roll in. Whether you’re a blogger, social media user, or just someone with a small circle of influence, this is your beginner-friendly guide to affiliate marketing made simple. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

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 keeping your finances in check. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

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 hasn’t taken the time to nail your marketing strategy, these five foundational steps will give you a solid place to start and grow. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

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. If you’ve ever wondered what you’re not using (or what your bank account could be doing better), tune in now. You’ll be shocked at what your bank can already do without ever stepping foot in a branch. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

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 of laddering, PODs, or CDARS. We’re explaining it all in simple terms so you can start growing your money with confidence. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

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 sale to common mistakes that can cost you in the long run, Ryan shares what every owner needs to know before handing over the keys. If you’ve ever wondered, “What’s my business actually worth?” this one’s for you. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

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 the right way. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

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 than 271 deals in the past five years alone and knows exactly what makes a buyer walk through the front door, or drive right on past. From curb appeal to carpet choices, we covered it all in this week’s episode and here’s what we learned. https://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html

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://www.myfsb.com/about-us/isnt-that-rich-podcast/index.html