33 - The Mystery of Escrow: Why Did My Payment Change?

35 - Teaching Kids (Under 12) About Money

How do you teach your kids about money without it becoming a chore? In this episode of "Making Sense of Your Cents," Daniel and Shanna break down the "Three-Jar System" for kids under twelve—an easy, visual way to introduce the concepts of spending, saving, and giving. We discuss why giving your kids the freedom to make small "money mistakes" now is the best way to prepare them for bigger financial decisions later. Plus, we answer common parent questions about chore-based allowances and the "24-hour rule" for impulse purchases, and we share our actionable tip: The Match Program—a simple strategy to supercharge your child's savings and show them the power of growth. Tune in to turn those kitchen table conversations into lifelong habits!  Send us Fan Mail [https://www.buzzsprout.com/2541464/fan_mail/new] 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.

34 - Vacation Planning: Travel Without Debt

Planning a getaway doesn't have to mean planning for debt! In this episode of "Making Sense of Your Cents," Daniel and Shanna break down the "Sinking Fund" strategy—the smartest way to pay for your vacation before you ever leave the driveway. We discuss the hidden costs of using credit for travel, the psychology of "guilt-free" spending, and how to automate your savings so your next trip is fully funded. Plus, we answer common community questions about balancing emergency savings with travel goals and getting the whole family on board with your vacation budget. Tune in for a simple, automated actionable tip that will change the way you look at summer planning forever!  Send us Fan Mail [https://www.buzzsprout.com/2541464/fan_mail/new] 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.

33 - The Mystery of Escrow: Why Did My Payment Change?

Why did your monthly mortgage payment suddenly go up? In this episode of "Making Sense of Your Cents," Daniel and Shanna demystify the escrow account. We explain the difference between a fixed-rate mortgage and a fixed monthly payment, break down the "Annual Escrow Analysis," and explain the mandatory account "cushion" required by federal regulations. We also detail the mechanics of the "Life of a Payment" and how escrow shortages are calculated. Plus, we answer common community questions about opting out of escrow and how to handle shortages, and give you an actionable, simple step to review your property tax assessment before your next payment adjustment. Tune in to take the mystery out of your mortgage and regain control of your homeownership budget!  Send us Fan Mail [https://www.buzzsprout.com/2541464/fan_mail/new] 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.

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.  Send us Fan Mail [https://www.buzzsprout.com/2541464/fan_mail/new] 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 Send us Fan Mail [https://www.buzzsprout.com/2541464/fan_mail/new] 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.