The word "budget" often brings up feelings of restriction and stress. In this episode, we reframe budgeting not as a financial diet, but as an empowering roadmap for your money. Daniel and Shanna explore simple, sustainable methods that you can actually stick with. We’ll teach you how to use the balanced 50/30/20 rule to categorize your spending without getting overwhelmed, and we’ll explore the power of the "Reverse Budget" for those who hate tracking every penny. Find the right method for your personality and feel in control of your cash flow.

Subscribe today and send your questions to podcast@fcbtn.com.

Why is it so hard to save money, even with the best intentions? In this episode, Daniel and Shanna are joined by First Century Bank President & CEO Rob Barger to discuss the single most powerful habit for building long-term wealth: Paying Yourself First. Rob explains the crucial mindset shift from "saving what's left" to treating savings as your most important bill. We’ll discuss how to start saving even if you feel you're living paycheck to paycheck and why automation is the secret weapon for effortless, consistent success.

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Your three-digit credit score holds incredible power over your financial life, affecting everything from loan rates to insurance premiums. But how is it actually calculated? In this deep dive, we pull back the curtain on the credit score formula, breaking down the five key ingredients that make up your score and revealing which ones matter most. We'll also bust common myths, like why you don't need to carry a credit card balance to build credit, and provide simple, practical habits you can start today to build a positive history.

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APR and APY sound almost the same, but one costs you money while the other makes you money. In this episode, Daniel and Shanna demystify these common but confusing acronyms with clear, real-world examples. We'll explore what APR (Annual Percentage Rate) really means for borrowers and why it includes more than just the interest rate. Then, we'll flip the script to explain how APY (Annual Percentage Yield) accounts for the magic of compounding interest, helping your savings grow faster. This is a foundational episode that will make you a smarter consumer and a more effective saver.

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Welcome to "Making Sense of Your Cents," the new podcast from First Century Bank. Have you ever felt intimidated by financial jargon? Join hosts Daniel Hill and Shanna Browning as they break down complex topics into clear, useful information.

In our first episode, we share our story. Get to know your hosts and discover the deep community roots of First Century Bank, which began in Tazewell, TN, in 1894 as Claiborne National Bank. Learn the powerful legacy of former president Glenn Yoakum, the man whose life of service inspired the "Mighty Oak" in our logo.

This podcast is our modern promise to help our community stay safe and be successful through education. This is your podcast, and we want to discuss what matters to you.

Subscribe today and send your questions to podcast@fcbtn.com.