In this episode of the Cashology Podcast, Justin sits down with Esmé Ramos, a seasoned banking professional with 16 years of experience, to discuss effective strategies for managing student loan debt. Drawing from her expertise as a branch manager of one of FNBO's busiest locations, Esmé shares seven practical approaches to tackle not just student loans, but any type of loan debt.

The conversation explores various debt management strategies, from making extra payments and refinancing for better terms to setting up automatic payments and implementing biweekly payment schedules. Esmé emphasizes the importance of prioritizing high-interest loans and maintaining regular financial check-ups with trusted advisors. The discussion also touches on creative ways to boost income for debt repayment while maintaining a healthy work-life balance.

Throughout the episode, Esmé's passion for helping clients achieve their financial goals shines through, as she provides actionable advice that can be customized to individual situations and financial circumstances.

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

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!