In this episode of the Cashology Podcast, Justin welcomes Keri Mallory, Branch Manager at FNBO, for an insightful discussion on a foundational financial concept: net worth. Keri breaks down what net worth is, why it’s important, and how to calculate it by understanding your assets and liabilities. She also shares real-life examples to show how tracking your net worth can serve as a financial compass, helping you stay on course toward your goals.

Learn how to assess your financial health, set achievable savings goals, and avoid common pitfalls like focusing too narrowly on one aspect of your finances. Whether you’re looking to start your financial journey or refine your strategy, this episode offers practical advice to help you take control of your net worth and plan for the future.

Listen here and follow @CashologybyFNBO on YouTube for more!

In this episode of the Cashology Podcast, Justin sits down with Julia Conover, Branch Manager at FNBO, to discuss a simple yet powerful budgeting tool: the 80/20 rule. Julia walks us through how this method prioritizes 20% of your after-tax income for savings, while the remaining 80% covers everything else. This flexible approach to budgeting can be easier to follow than the more detailed 50/20/30 method and works well for individuals who prefer not to overthink spending.

Learn practical ways to stay committed to saving by setting up multiple savings accounts, automating your savings contributions, and regularly reassessing your financial goals. Whether you’re looking to build savings or just want a simpler approach to managing your budget, this episode might help you feel more in control of your financial future.

Listen here and follow @CashologybyFNBO on YouTube for more!

In this episode of the Cashology Podcast, Chris Turner, FNBO's Community Reinvestment Act officer, joins us. Chris shares her extensive background in banking and her passion for teaching financial literacy, driven by her experiences as a mother and professional. She discusses the concerning state of financial literacy in the U.S., highlighting a statistic that two-thirds of American adults can't pass a basic financial literacy test and more.

Chris and Justin explore the importance of financial education starting at a young age, and discuss the proactive steps FNBO is taking to address this issue, including partnering with schools and organizations like Junior Achievement to teach real-life financial skills. 

Listen here and follow @CashologybyFNBO on YouTube for more!

It’s time to discuss meal planning with Elyse Lyons, the Savvy Sagittarius. Elyse, celebrated for her no-spend challenges, shares her expertise in meal planning, which she describes as a crucial step toward financial wellness. She explains how meal planning not only helps to reduce grocery bills—one of the most flexible parts of anyone's budget—but also significantly cuts down food waste and prevents impulse buying.

Throughout the discussion, Elyse provides actionable tips, such as checking one's weekly schedule to align meal preparation with actual available time, and suggests practical tools like digital grocery lists to streamline the process. Learn about using meal planning to foster healthier eating habits, save money, and enjoy stress-free dinners at home. Whether you're a busy parent or merely wanting to be more budget-conscious, Elyse's strategies promise to transform how you approach mealtime and manage your finances.

In this Cashology Podcast, Justin welcomes back Elyse Lyons, also known as The Savvy Sagittarius, to discuss the empowering concept of "No Spend Months." Elyse shares her unique approach to these financial challenges and discusses how no-spend months have not only boosted her savings but also enriched her life by encouraging more meaningful engagements with family and friends. Throughout the episode, Elyse provides practical tips for preparing and succeeding in no-spend challenges, such as closely examining past spending habits and making bulk purchases to cut down on non-essential expenses. This episode is packed with insights on turning financial limitations into opportunities for growth, making it a must-listen for anyone looking to take control of their spending and enhance their financial wellness.

In this episode of the Cashology^® Podcast, Justin is joined by Elyse Lyons, also known as the "Queen of the No-Spend Months" and the creator behind The Savvy Sagittarius. Elyse shares her compelling debt-free journey, revealing how a simple need for a vehicle spiraled into $34,000 of debt, which she resolved through relentless dedication, including multiple jobs and side hustles. As a single mom and military veteran, Elyse's story is not only about overcoming financial burdens but also about the emotional and psychological aspects of managing money.

This episode delves into effective strategies like the debt snowball method, the importance of realistic budgeting, and how understanding personal finance can be transformative. Elyse also touches on the challenges of financial education and offers practical tips for immediate financial improvement, making this a must-listen for anyone looking to enhance their financial literacy and gain control over their finances.

You’ve heard of the five love languages: words of affirmation, physical touch, acts of service, quality time and gifts. We might use them all, but everyone has a dominant way they relate to others.

Everyone has a dominant way they relate to MONEY, too. Their ‘money personality,’ if you will. This could be learned from our parents or formed by our own life experiences. Learning about your money personality can help you discover more about yourself, and create a sound relationship between you and your finances.

Listen here and follow @CashologybyFNBO^® on YouTube for more!

It’s almost never too early to start teaching your kids about money. Some key lessons about saving can start as early as two years old. These lessons and the habits they develop will last a lifetime. More valuable than money itself, teaching them about money, and how to save it, can be invaluable.

Do we start when they’re two? Five? Thirteen? Let’s dive in and find out in this episode.

Are you into goal setting – but looking for something a little MORE inspirational than a written list? A financial vision board can be a creative way to identify and think through your goals. Usually a collage of images that represent your goals and aspirations, A financial vision board can help you focus on aligning your money with where you want to be in the future. And…it can be fun to put together. Listen here for to learn how to create one!

Meet Our Guest
Keri Mallory has 27 years of retail banking experience and has been with FNBO since January of 2022. She is currently the Branch Manager at the 144th and Dodge Location in Omaha, NE as well as the manager of the Concierge Banking Associates for Concierge Banking. When she is not busy helping people reach their financial goals, Keri enjoys spending time with my family and cheering on the Huskers! GBR!

Have you ever considered becoming a landlord? Maybe you’ve inherited a home. Maybe you have a starter home you’re moving out of and instead of selling, you’re thinking about renting it out?

Whatever the reason, rental properties can be a good source of passive income. For savings or retirement. And a way to build your net worth.

But there’s a lot more to it than collecting a monthly check. It has to be approached with your eyes wide open. Listen here for more.

Meet Our Guest
Gabe Kopun is currently a second-generation mortgage loan officer who began his banking career 2010. Since then he has served in several different roles where he’s gained valuable knowledge to help his clients navigate through the home loan origination experience. Gabe prides himself on being able to take a complicated process and simplifying it so that anybody can understand it. When he is not helping people purchase their next home, Gabe enjoys spending time outdoors, cooking, and Husker Football.

The research shows it – older people manage to stay happier during tough times. Once you turn 50, your ability to cope with life and all its challenges is at its height.

One of those challenges can be managing your money. Another might be keeping your retirement plan on track. It takes some discipline and some stick-to-itiveness. So today we’re going to offer some helpful reminders to those in their 50s, still active and earning but on their way to retirement.

This episode of the Cashology Podcast, covers tips and tricks about ‘Managing Money in Your 50’s.”

It’s halftime. And we’re not talking about football here. If you’re in your 40’s, you’re halfway into your working life, into your career. You’ve got twenty-ish more years to go before retirement.

So now is the perfect time to assess your financial situation. How is everything going? Are you where you want to be? Is your game plan on track to meet your future goals? Or do you need to make some halftime adjustments?

This episode of the Cashology Podcast discusses what you should be thinking about when managing your money in your 40’s.

Having a baby can be one of the most exciting and anxious times in your life. Exciting because you’re growing your family and bringing a new life into the world. Anxious because parenthood brings with it a lot of unknowns.

One unknown that often gets overlooked – how having a baby will impact your family financially? So let’s talk about that in this episode and see if we can relieve at least some of the anxiety for prospective parents.

This episode of the Cashology Podcast features Lisa Scheve, Director of Core Banking Risk Management. Lisa joins Justin and discusses what to plan for from before baby arrives, to just after. 

Buying a new home, especially for a first-timer, can be intimidating. Saving up for a down payment, finding a real estate agent who works with buyers – and then there’s all the paperwork and documentation.

There’s a lot to consider and pull together. You might worry about making a mistake. But there are people ready to help all along the home loan journey, like your mortgage loan officer, who can walk you through all the steps, tasks and requirements and demystify the entire process.

One such person is our guest today, Alex Drake, a Mortgage Loan Officer at FNBO. In this installment of the Cashology Podcast, Juli and Alex help demystify, and hopefully take the fear out of a few aspects of this journey.

Meet Our Guest
Alex Drake joined FNBO in 2014 and has held many positions in retail banking. He's spent most of his time as a personal banker specializing in home equity lending and auto loans before moving to mortgage lending in 2017 where his primary focus is on home buyer education. Alex is a co-host of a Saturday morning Nebraska sports talk show and weekly podcast. When Alex isn’t working, he loves spending time with his fiancé attending sporting events, comedy shows, or trying new restaurants and foods. He’s an avid golfer, but admittedly should not be called upon if you’re looking for good golf.

Banks play an important role in their communities. Yes, banks provide financial products & services for individuals for businesses, but what else do they do? When a bank is truly in tune with its customers, employees and community partners, they do a lot more than checking and savings accounts, mortgages and business loans.

A bank that is fully-engaged impacts a community on multiple levels and helps individuals and businesses prosper and shine. Today, our guest, Spencer Danner joins us to discuss making a successful community through our program, Impact by FNBO.

Meet Our Guest
Spencer Danner is Vice President, Community Development & Corporate Social Responsibility at FNBO and is responsible for developing and managing the bank’s comprehensive philanthropic and community investment strategy. He has more than 15 years’ experience leading Community and Social Responsibility programs within public, private and government entities and has a passion for helping institutions operate through a community impact lens. In his free time, Spencer enjoys travel, exercising, and writing screen plays. He is married with five kids who all have different interests and activities so there is never a dull moment!

Seventy percent of Americans own a pet, according to the most recent survey from the American Pet Products Association. Not surprisingly, close to one in five households acquired a dog or a cat since the beginning of the pandemic.

We think of our pets as family members, but they may be the only members of the family without health insurance. Jason Tellus joins our host Juli Wians for this episode on a topic near and dear to pet owners’ hearts: Insuring Your Pet.

Meet Our Guest
Jason Tellus has been with FNBO for 24 years. In 2021 he transitioned into managing our Client Services team which handles company-level credit card program servicing for both our Large and Small Business customers. Over the years, Jason has managed Customer Care teams for both Consumer and Commercial credit card customer service as well as Merchant Solutions. He currently serves as the chair on the Yankton Park advisory board and is passionate about the many outdoor activities Yankton has to offer. When not working, you will find him riding the many bike trails Yankton has to offer, playing tennis, or competing in disc golf.

Times are changing, and people are finding new and inventive (or profitable?) ways to make a little side cash. Some are paid bridesmaids. One man in Japan gets paid to be a friend for a day (no word on if he springs for the check at lunch).

If you’re thinking about taking up a side hustle, you’re not alone. Surveys show that nearly one in three Americans have a side hustle of some kind and a lot more people are considering it. But what’s the trick to the perfect side hustle?

Juli and guest Molly Diamond unlock some key insights that might just help you avoid common mistakes, save time and make money.

Meet Our Guest
Molly Diamond has been a Regulatory Compliance Auditor with Corporate Audit Services at FNBO for a year and a half. She has spent 10 years in the banking industry working her way up from a part-time teller, to Branch Supervisor, Loan Admin, Personal Banker, and finally landing in Compliance/Audit. When Molly is not at work, you can find her kayaking at Prairie Queen Lake, working out with the Females in Action (FIA) crew, whipping up something delicious in the kitchen, or at the hockey rink cheering on her son alongside her husband and two daughters. Molly’s favorite quote is “Make it a great day!”

Chances are you’ve noticed prices going up. At the gas pump, at the grocery store, everywhere. Whether you’re shopping for clothes or for a new home, the price of everything seems to be going up.

While experts predict the rate of inflation to eventually slow, that doesn’t mean prices will ever come back down. So what are some smart ways of coping with inflation? We ask FNBO’s Dustin Elkins, a veteran of the Cashology Podcast, that exact question. From spending to saving—even car buying—there’s ways to navigate this stressful time.

Meet Our Guest
Dustin Elkins began working with FNBO in November of 2019 as a Sr. Specialist of Customer Care where he helped our credit card customers with all of their questions and servicing needs. He then had the opportunity to help our customer’s banking needs through our call center and in person as a personal banker. Today, Dustin is a Fraud Operations Analyst, working to monitor deposits, wires, and other potential fraud to protect our customers from scams and loss to them and the bank. He recently earned a Wealth Management Specialist certification and in his free time he enjoys hiking, gardening and spending time with his fiancé, Pablo, who also works at the bank.

Ever feel like you just have too many bills? Like debt is stacked up and coming at you from all sides? If so, then this might be the episode for you. We're going to talk about consolidating debt: taking all you outstanding debt and rolling it up into a single payment every month. A lot of people do it and they save money in the process. Join our host, Juli Wians, and guest Kelly Hill as they cover what to look (and watch out) for when consolidating your debt. No judgement, just savvy Cashology wisdom.

Meet Our Guest
Kelly Hill has been with FNBO for 7 years. He recently transitioned to the Wealth Management division as a Lender. Prior to moving to wealth, he was in the branches, where he started as a teller and quickly moved into the Sr. Personal Banker role spending a majority of his time at 133rd and Maple, as well as 204th and Maple and 144th and Dodge. When he is not at work, you can find him spending time with his wife and son, practicing magic tricks or hanging outside and grilling, along with playing with their dogs. If the weather permits you can find him riding his Harley-Davidson motorcycle.

Which, every year, is both a challenge and an opportunity.

In this installment of the Cashology® Podcast, Juli sits down with Michelle Houston, a Personal Banker at FNBO in the Kansas market. They’ll cover how April is a great time for everyone to check their financial situation and to hone their financial skills. In effect, to check up on personal financial management and recommit to budgeting, smart spending and regular savings.

Meet Our Guest
Michelle Houston has been a personal banker with FNBO since February 2021. She currently works at our College branch in Overland Park, KS. Her primary goal in her role is to improve our customers’ financial wellbeing whether that be helping a customer start their very first bank account, applying for a loan, or saving for future goals. She is getting ready to transition to a new role within the bank in May. She is very excited to grow with the company and expand her knowledge and responsibilities. In her free time she enjoys watching sports (especially the Kansas City Chiefs), traveling and trying new foods!

New Year’s Resolutions – we all make them. To lose weight, exercise, eat right or to improve some other aspect of our lives, whether it’s to find a new relationship or to find a new job. The big one used to be to stop smoking but maybe that’s given way to a new one – to stop vaping?

Another popular resolution is to improve our finances, and that’s what we’re going to talk about today – how we can make a New Year’s Resolution that we’ll love keeping and that will give us some financial advantages, too. We’re talking about charitable gifting.

Meet Our Guest
Michelle Smithberg is a Private Client Advisor at FNBO Wealth Management. For over 20 years, she has specialized in meeting the needs of high net worth individuals, families, professionals, executives and closely held business owners. Michelle's approach is to form long-term relationships working individually with clients to structure a plan to achieve their financial goals. In every aspect of the relationship, Michelle’s clients benefit from a level of professional service and attention that enables them to navigate the life cycle of wealth accumulation, preservation and transfer.

When not helping clients or volunteering, Michelle can be found enjoying time with her family and friends, exercising, watching sports and reading a good book when time allows.

Before we start off on today’s episode, a joke: why did the doughnut maker retire? He was fed up with the hole business. Starting a successful business involves many considerations — but none more important than examining your financial situation. Welcome (and thanks for listening today) to the Cashology® podcast, hosted by your guide on the path to financial savvy, Juli Wians.

Meet Our Guest
Kim Preheim started his banking career in 1997 and has held several positions during that time, all with FNBO. In 2011, he joined the Business Banking team, spending several years helping business owners utilize the products and services the Bank for maximum benefit. In 2016, he became a Small Business Banker, taking the belief that small businesses are the lifeblood of local economies and applying the passion he has to support them, to assist in their growth and development.

In spite of all the new ways we can buy cars these days, it’s still easy to pay too much. Getting a good deal comes down to doing your research, comparison shopping, deal making and being willing to walk away. Whatever you do, don’t just drop by a dealer without knowing exactly what you’re going for. Be smart. Listen to this episode, today.

Meet Our Guest
Jose Ceballos has been with the Bank since December of 2013. He started off as a teller at the 24th and Oak branch. Soon after he ventured into learning more about the Bank so he took an opportunity in a different department as a Sr. Customer Care Specialist. During his time on the Customer Care Team, he learned an amazing trait needed in his customer care role, “Empathy” along with tons of knowledge about FNBO as a whole. Little did he know that this was a trait that would help him in his next position – a Universal Banker at the 24th and Oak branch. He soaked up as much knowledge as possible during his time as a Universal Banking – 4 years. You can now find Jose at our 50th and Ames location, as a Personal Banker.

If you’re struggling to save, you’re not alone. Three quarters of us save 10% or less of our monthly paycheck and the rest of us don’t save anything at all. Asked why, most people will point to the high cost of living – saying that recurring bills and expenses eat up most of their paycheck.

But a “pay yourself first” approach can help you build your savings and get you on the road to following a budget.

Meet Our Guest
Melissa Martin began working with FNBO in June of 2018 as a Sr. Specialist of Customer Care, helping our credit card customers with all their questions and servicing needs. Her career with FNBO has provided opportunities to grow and learn in multiple roles, including her present position as a Customer Care, Personal Banker. As a Personal Banker, she enjoys the opportunity to assist our customers as a partner, ready to help achieve their financial goals. Melissa has a bachelor’s degree in Biology and is currently working toward an associate degree in Business and Finance. In her free time, she enjoys spending time with her husband, her two boys, and their four fun-loving rescue dogs!

The term financial planning quarterback – it has become a bit cliché. Sometimes it refers to having a financial advisor as your financial planning quarterback. Sometimes, and this seems to be growing in popularity, it refers to how you can be the quarterback of your own finances.

And that’s what we want to talk about today. If you want to be the quarterback of your finances, what do you need to do?

We’re going to take a look at four healthy financial habits to start practicing now – controlling spending, saving regularly, building credit and saving for retirement.

Meet Our Guest
Samantha Horn is a mom of a one year old boy, who spends all of her time with when not at work. Samantha began her career at FNBO at the Longs Peak branch in September of 2019 as a teller until October of 2020, when she became a Personal Banker. Samantha's favorite thing is to assist those who are young and need help learning about credit and financial planning or have had some rough patches and need a hand out of a hole they’re in.

It’s never too soon to build good habits around money and, while your 20's may seem like the time to have fun and too early to get serious about things like retirement, the habits you develop now can have long-lasting impact on your quality of life and financial freedom.

We’re going to take a look at four healthy financial habits to start practicing now – controlling spending, saving regularly, building credit and saving for retirement.

Meet Our Guest
Megan Aldinger started her career at FNBO back in 2008 as a teller. She has worked at multiple locations in the Omaha market and have held every position in the branch. She is currently the branch manager at the 50th & G location. She loves being able to help our customers with their financial wealth as well as help develop and coach our employees. She is currently getting her bachelors degree in Business Management from Bellevue University. In her free time, she enjoys spending time with friends and family and trying new food spots around town. She also enjoy cheering on the Huskers, the Cubs, the Bulls and the Bears!

Credit cards. Convenient, for sure. And a quick way to build good credit, if you use them wisely and pay your credit card bill on time every month. And that’s what we want to talk about today. Understanding credit cards, picking a good one for the way you want to use it and managing it . . . rather than letting it manage you.

We’re calling this Credit Card 101. And it’s a great topic for anyone starting out with credit cards or who just wants to learn how to better manage the cards they have.

Meet Our Guest
Dustin Elkins began working with FNBO in November of 2019 as a Sr. Specialist of Customer Care. He helped our credit card customers with all of their questions and servicing needs. He recently stepped into a Customer Care, Personal Banker job where he assists our customers with lending and credit questions over the phone and now has the opportunity in branch helping our customers in person! Dustin love to help our customers navigate credit as it can be scary. He is currently piloting a wealth management specialist program with 15 other bankers to earn a WMS certification. In his free time he enjoys hiking, gardening and spending time with his fiancé, Pablo, who also works at the bank.

Home improvement projects – they can add real value to your home. But more than that they can help you fall in love with your home all over again. Remodeling the kitchen or adding a bathroom are some common home improvement dreams. Things like energy efficient windows or insulation sound boring but can add a lot of value, too.

The question is how do you pay for them? That’s what we’re going to talk about today.

Meet Our Guest
Jen Ammerman has been with FNBO since 2004 and moved into construction and mortgage lending in 2015. Jen has a background in Special Assets (foreclosures and collections), and is familiar with both sides of the financial coin which brings some interesting perspective to her current position.

Jen is a Colorado native and currently lives in Wellington, CO with her husband and her youngest daughter who is in currently in her junior year at CSU. Jen and her husband have three beautiful girls and two grand-girls (7 and 11). When Jen isn't at work, you can find her working out, golfing, camping or paddle-boarding, really enjoying anything and everything around water.

People are doing everything online these days – staying in touch with friends, checking the news, shopping and banking. Our money, like so many other aspects of our lives, is now mobile. Today, consumers shop more on their phone than they do in-store. And nearly three-quarters of consumers bank online and/or use mobile banking apps.

So how do we keep our money safe online? That’s the question for today.

Meet Our Guest
Jeffrey C. Weeks has been with First National of Nebraska, Inc. (FNN) for 22 years and is currently the Senior Vice President and Chief Information Security Officer responsible for FNN holding company Information Security. The executive leadership and oversight provided by Jeff in the development, management and execution of information security for First National of Nebraska, Inc. ensures the company’s ability to posture and protect all private, personal information, and assets of the company’s clients, employees and business partners. Jeff served in the United States Army active duty assigned to the XVIII Airborne Corps, in support of the 7th Special Forces Group. Jeff is a member of FS-ISAC (Financial Services Information Sharing and Analysis Center), PPISC (Payments Processor Information Sharing Council), MBCA Advisory Board (Mid-Size Bank Coalition of America), and multiple advisory boards.

Identity theft. Fraud. Most of us believe it can’t happen to us. But really it can happen to anyone, anytime. Anywhere from 7% to 10% of US consumers are victims of identity theft or fraud every year. And this can have such a negative impact on our lives and financial health, lowering our credit scores and costing us hundreds or even thousands of dollars.

So how do can we protect ourselves against identity theft and fraud? That’s the question for today.

Meet Our Guest
Dave Richardson is the current Senior Manager responsible for Fraud Deposit Products for FNBO. He has served various roles in his 21 years at FNBO, including Credit Card Fraud Prevention and ATM Operations. He is currently responsible for maintaining and managing the bank’s non-card fraud prevention and risk mitigation strategies across the institution. His primary responsibilities address controlling fraud risk while enhancing the customer experience in online channels while partnering with the bank’s digital strategy teams. Dave serves on the bank’s Model Governance Committee and Electronic Banking Risk Management Advisory Group. Dave also spent 20 years in the Air National Guard while earning his Bachelor’s in Psychology and his MBA.

The extra paycheck month. Oh, those are nice months. They help you catch up a little bit. Maybe pay off a bill or put a little extra away in savings. Or splurge on something you want. But how can you make the most of your money, all year round, so that you’re not waiting on that extra paycheck to make things right?

How can we build our personal wealth? That’s the question for today. Tune in now.

Meet Our Guest
Michaela Dombrowski has been with FNBO for 11 years working in various roles on the Retail side including; Teller, Personal Banker, and most recently as Branch Manager of our 168th/204th and Maple locations! Michaela has a 10 year old son and 2 large breed dogs, one of which is a senior dog- so she really does understand the importance of using those extra paycheck months to plan ahead for future unexpected expenses!

No matter how much you love your spouse, trying to merge your lives—and your money—can be a bumpy ride. However, approaching this conversation with honesty and transparency can help you get started on the right foot. Tune in now!

Barry and Jennifer have been married for over 20 years after first meeting at a bank in Lincoln, Nebraska. They enjoy giving back to the community and are involved in numerous non-profit boards. They have three teenage children so there is never a dull or quiet moment in their house!

Meet Our Guests
Jennifer Benson is a Vice President for Wealth Management. She leads the financial advisors across the bank and is dedicated to helping customers build their financial wellness. She brings a great depth of experience in building and maintaining Wealth Management client relationships by delivering a high level of customer service and going the extra mile to increase customer satisfaction.

Barry Benson has been involved in production agriculture his entire life. In addition to his banking career, he and Jennifer own a small farm and have a commercial cow/calf operation. Barry has been with FNBO for 21 years and has held various roles including senior credit officer and Fremont market president before recently joining the Agribusiness team as a Sr. Director.

Retirement – it’s the finish line to your long career. It also marks the beginning of more leisure time to be spent on hobbies, with family and friends and fulfilling life-long dreams. When you retire is not only determined by physical and mental readiness, but financial readiness too. Without the latter, a long anticipated retirement could be short-lived. Tune in now for some simple tips that will help ensure you reach your retirement goals and enjoy your golden years.

Meet Our Guest
Barbara Rizvi is a Financial Planner with the Private Client Advisory and Financial Planning teams within the Wealth Management group at First National Bank. She specializes in providing comprehensive and personalized financial planning that incorporates investment, retirement, tax, protection and estate planning strategies.

Barbara earned her Bachelor of Business Administration in Finance from Texas Christian University. She spent 20 years of her career in corporate finance before deciding to pursue a more rewarding path of financial planning for individuals.

Family time is spent exploring the world with her husband, keeping up with their teenage boys, and trying to teach their Brittany that squirrels are not the enemy.

What is a financial advisor exactly? What do they do? And should you be working with one? Those are some of the questions we’ll be tackling in this episode. Keep in mind, there’s a financial advisor available for every budget and financial situation. You don’t have to have a ton of money to be working with one. Tune in now!

Meet Our Guest
Josh Huseman is a Sr. Director on the Busines Owner Advisory Services team. He is uniquely suited for this role having spent his entire career working for and with family businesses and being a discerning observer of their decisions. Josh has years of experience leading groups through complex issues and advising families in collaborative decision making. He also has first-hand experience having worked on job sites with three generations of his own family, collecting generational stories, and curating family value discussions within his own family.

Let’s talk CREDIT SCORES. Is the number just pulled out of the sky by banks? Take a listen to the Cashology Podcast: Understanding, Managing and Improving Your Credit Score to see what you can do to stay on top of it. Tune in now!

Meet Our Guest
Wes Minton began his career baking, not banking. You read that right. But has since worked as a Personal Banker for FNBO for the past 8 years where he assists customers with all of their financial needs, from checking to savings to loans. He still uses his baking talents to whip up delicious treats for his family, friends and co-workers, and even won the 2019 Annual Chili Cookoff for the Omaha Area Board of Realtors. While not banking and baking, Wes enjoys hanging with his cats, Pearl and Onyx, and camping and hiking in Colorado. Wes is passionate about helping customers and educating them on the importance of credit scores.

Put on those holiday sweaters, festive socks, and have some hot chocolate by the fire, because today we're talking about holiday spending and saving. Tune in now!

Meet Our Guest
David Erlbacher - Originally from Fort Worth, TX, David migrated to the Midwest and attended Creighton University where he studied Finance. Since 2008, he has held roles in FNBO’s branches in Omaha and Kansas City from Teller to Branch Manager. Today, David manages two branches in Overland Park where he gets to lead an awesome team and work directly with customers – it’s the best of both worlds! In his free time, David can be found outdoors, traveling and watching Creighton basketball.

Is it expensive to adopt or purchase a pet? Juli asks about all that’s involved with pets and mentions how quickly a home can be taken over by all the crazy accessories. We jump back on task with the expense discussion. Tune in now!

Meet Our Guest
Pam Weise began her career in television as an anchor and reporter afor the tiny KREX-TV in Grand Junction, Colorado. After five years in Colorado she moved to Kearney, Nebraska for another five-year stint at KHGI (NTV). As is typical in broadcasting there was another move, this time to Omaha, Nebraska to work for KPTM Fox 42. While in Omaha, the local shelter, Nebraska Humane Socety (NHS) called Pam looking for someone who had “been on the other side” to work with the media and promote the shelter…it was a right place right time situation. Eighteen years later, Pam is still working with NHS as Vice President of Marketing and PR, and is blessed to be doing a job she loves. Pam is married to Jeff Bundy, whom she met while working at KPTM. They currently have four dogs: River, Rocks, Sky and Minnie.

In this episode you will learn what the 50/20/30 rule is and why it is important to keep to these percentages. Following this rule helps you stick to your budget and reach your goals. It gets you mentally prepared for the month so you don’t have any surprises in your spending. Tune in now!

Meet Our Guest
Jamie Urban began her career at FNBO in 1999 where she worked as a teller for two years. Since then, she’s held various marketing communications roles supporting multiple customer and product segments including Retail, Credit Card, Wealth Management, Corporate Lending, and Community Development. This diverse work experience, combined with invaluable personal experience, paved the way for Jamie’s current role as a Content Creator on FNBO’s Social Media and Content Marketing team. In her role, Jamie helps guide individuals along their path to financial wellness by writing Cashology blog articles which provide financial tips related to budgeting, saving, managing credit and more. When she’s not busy writing, Jamie enjoys reading a good book, cooking a tasty meal and spending time with her husband and two children.

You’re throwing your money away! (Do we have your attention now?) Well, you could be–if you haven’t looked at refinancing your mortgage in a looooooong time. This episode will walk you through refinancing, and some things to consider or ask your lender when that time comes. Tune in now!

Meet Our Guest
Brad Dombrosky entered the mortgage business in 2002, and since then, he has held roles including loan officer, branch manager, vice president of sales and operations, as well as co-owner of a mortgage subsidiary for a state chartered bank. He returned to loan originating in 2010, when he discovered he missed working directly with clients. He has been a top producer for FNBO for five years running. Other than spending time with his wife and four kids, he enjoy going to the gym before work and coaching his kids’ football teams. Go Huskers!

Think of me and our guest today as the ambulance driver delivering much-needed tips for that emergency savings fund of yours. This podcast will walk you through some of the basics of building an emergency savings fund. Tune in now!

Meet Our Guest
Adam Heng has been with FNBO for 15 years. Throughout that time he has held a broad range of roles cutting his teeth in credit card product management and Co-Brand credit card partnerships while more recently focusing on Retail banking where he was responsible for the consumer deposit and loan portfolio. Adam is now FNBO’s Director of Product Development and Design where he is applying a customer led lens to new products and services aimed at accomplishing top business priorities through solving customers’ largest needs. Adam is a graduate of Creighton University and lives in Elkhorn, NE with his wife Brianne of 17 years and two kids Jackson (9) and Addyson (5).