Making Sense of your Cents

32 - Peer-to-Peer (P2P) Mastery: Zelle & Venmo Safety

Peer-to-peer (P2P) apps like Zelle, Venmo, and Cash App have revolutionized how we split dinner bills and pay friends back—but are you using them safely? In this episode, we break down the reality of P2P payments: why they should be treated like digital cash, the common "accidental payment" scam, and the specific settings you need to lock down in your apps today. Tune in to learn how to verify your recipients, why you should never use these apps for business transactions with strangers, and our simple "$1 Test" workflow to keep your money exactly where it belongs.  Is your sensitive financial data sitting in an unsecured mailbox? Switching to e-Statements is one of the easiest ways to protect yourself from identity theft. Moving your records from the street into our high-security digital vault provides faster access, clears the clutter, and keeps your information safe.  Subscribe today, wherever you listen to your podcasts (Spotify, Apple Podcast, etc.) and send your questions to podcast@fcbtn.com.

31 - Small Business 101: Managing Your Side Hustle

Are you ready to turn your hobby into a business? In this episode, Daniel and Shanna are joined by Chris Rodes, founder of Hangar 37 Coffee, to discuss the transition from side hustle to small business owner. We explore the "Shoebox Moment," the importance of drawing a "Clean Line" between personal and business funds, and why local decisions are the true engine of growth. Tune in to learn how to roast your numbers before you roast your beans, the 30% tax rule you can't afford to ignore, and a simple actionable tip to professionalize your passion today Where to Find Hangar 37 Coffee * Facebook: https://www.facebook.com/Hangar37coffees [https://www.facebook.com/Hangar37coffees] * Instagram: https://www.instagram.com/hangar37coffee/ [https://www.instagram.com/hangar37coffee/] * Website: https://www.hangar37coffee.com [https://www.hangar37coffee.com] Tazewell Store: 925 Main St. New Tazewell, TN 37825 Harrogate Store: 116 Nettleton Road, Harrogate, TN, 37752 Is your sensitive financial data sitting in an unsecured mailbox? Switching to e-Statements is one of the easiest ways to protect yourself from identity theft. Moving your records from the street into our high-security digital vault provides faster access, clears the clutter, and keeps your information safe.  Subscribe today, wherever you listen to your podcasts (Spotify, Apple Podcast, etc.) and send your questions to podcast@fcbtn.com.

30 - Financial Spring Cleaning: Scrubbing Subscriptions

Is "subscription creep" draining your bank account? In this episode, Daniel and Shanna help you perform a "Financial Spring Cleaning." We explore the rise of the subscription economy, the psychology of "Dark Patterns" designed to keep you paying, and why "ghost subscriptions" are so easy to ignore. Tune in to learn how to hunt down hidden charges in your app stores, the secret to consolidating family plans, and how to negotiate a better rate on your internet or cable. Plus, get our simple "30-Day Scrub" tip to give yourself an immediate raise this week. Is your sensitive financial data sitting in an unsecured mailbox? Switching to e-Statements is one of the easiest ways to protect yourself from identity theft. Moving your records from the street into our high-security digital vault provides faster access, clears the clutter, and keeps your information safe.  Subscribe today, wherever you listen to your podcasts (Spotify, Apple Podcast, etc.) and send your questions to podcast@fcbtn.com.

29 - The New Frontier of Fraud: AI & Voice Cloning

Scammers are no longer just sending suspicious emails—they’re using Artificial Intelligence to clone the voices of the people you love. In this episode, Daniel and Shanna dive into the "New Frontier of Fraud," explaining how AI can mimic a relative in distress with terrifying accuracy using just a 30-second clip from social media. We break down how voice cloning technology works, why you can no longer trust your "Caller ID," and the psychological traps of urgency and isolation scammers use to make you act in a panic. Tune in to learn how to stay one step ahead of the tech and get a simple, low-tech actionable tip—the "Family Code Word"—to protect your loved ones today. Is your sensitive financial data sitting in an unsecured mailbox? Switching to e-Statements is one of the easiest ways to protect yourself from identity theft. Moving your records from the street into our high-security digital vault provides faster access, clears the clutter, and keeps your information safe.  Subscribe today, wherever you listen to your podcasts (Spotify, Apple Podcast, etc.) and send your questions to podcast@fcbtn.com.

28 - Rooted in Community: Why Local Decisions Matter

Your money has power—not just for you, but for your entire community. In this episode, Daniel and Shanna explain what it actually means to be "Rooted in Community" at First Century Bank. We trace the "Life Cycle of a Local Dollar" to show how your deposits fuel local dreams, and we compare the human-driven decisions of our Loan Committee—comprised of senior management who live and work right here—to the cold algorithms of national mega-banks. Tune in to learn why choosing a local bank is a vote for your neighborhood, and get a simple challenge to help you support the "circular economy" in your own community this week.  Take a quick photo of your local find or that morning coffee and post it on social media. Use the hashtag #rootedincommunity so we can all share in supporting our neighbors.  Is your sensitive financial data sitting in an unsecured mailbox? Switching to e-Statements is one of the easiest ways to protect yourself from identity theft. Moving your records from the street into our high-security digital vault provides faster access, clears the clutter, and keeps your information safe.  Subscribe today, wherever you listen to your podcasts (Spotify, Apple Podcast, etc.) and send your questions to podcast@fcbtn.com.