Making Sense of your Cents
First Century Bank
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About the Show
Feeling overwhelmed by your finances? Wish you could get clear, simple advice from a trusted source? Welcome to "Making Sense of your Cents," the weekly podcast from First Century Bank that gives you actionable financial tips.
Join hosts Daniel Hill and Shanna Browning as they cut through the confusing jargon to help you build financial confidence. Whether you're looking to understand your credit score, create a budget that actually works, spot the difference between APY and APR, or protect yourself from scams, we're here to help.
Our mission is to empower our community with friendly, practical money knowledge. Subscribe now and start making sense of your cents, one simple tip at a time.
Partnership & Audience Signals
Regularly hosts outside guests
20 of recent episodes transcribed
35 episodes — long track record
Production & Distribution
Feed Capabilities Podcasting 2.0
Advanced RSS tags in this feed — signals for transcripts, dynamic ad insertion, and analytics support.
Recent Episodes
S2E34 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…
S2E33 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…
S2E32 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…
S2E31 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…
S2E30 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…
S2E29 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…
S2E28 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…
S2E27 27 - The Auto Loan Deep Dive: Buying Your Next Ride
Don’t let the "new car smell" cloud your judgment! In this episode, Daniel and Shanna take you behind the scenes of the auto industry to show you how to walk onto a car lot with total confidence. We…
S2E26 26 - Tax Day: Last-Minute Sanity & Looking Ahead
Welcome to the Season 2 premiere of "Making Sense of Your Cents!" With the tax deadline just 24 hours away, Daniel and Shanna are here to help lower your financial blood pressure. In this episode, we…
S1E25 25 - The Switch to e-Statements: Faster, Safer, and Simpler
In our Season 1 finale, we’re focusing on a simple switch that provides a massive upgrade to your security and convenience: e-Statements. Join Daniel and Shanna as they break down why moving away…
S1E24 24 - Banking for Seniors: Protecting Your Finances in Retirement
This episode focuses on the unique financial challenges and opportunities of retirement. We discuss practical strategies for simplifying and managing retirement income, including Social Security and…
S1E23 23 - Your Annual Financial Check-Up
Just like a medical physical, your finances need an annual check-up to stay healthy. In this episode, we provide a simple, step-by-step checklist for a yearly financial review. We'll guide you…
S1E22 22 - Unlocking Your Mobile App: Features You Might Be Missing
Your banking app can do a lot more than just show your balance. In this episode, we take a guided tour of powerful features you might not be using. We'll show you how to master mobile check deposit,…
S1E21 21 - Banking for the Next Generation: A Guide for Parents & Teens
How do you teach your teen about money? With Branch Operations Coordinator Shelby Liford, we provide a guide to opening a first checking or savings account. This episode is packed with practical…
S1E20 20 - All About HELOCs: Using Your Home's Equity Wisely
Your home has value you can use. With guest Megan Zielinski, VP/Area Executive, we explain the Home Equity Line of Credit (HELOC). In this episode, you’ll learn how to calculate your home's equity,…
S1E19 19 - Overdrafts Explained: Fees, Protection, and How to Avoid Them
Overdrafts can be a source of stress and costly fees. Joined by Compliance Operations Specialist Amy Earl, we provide a transparent look at how they work and the choices you have as a consumer. In…
S1E18 18 - FDIC Insurance: Is My Money Really Safe?
In this episode, we answer one of the most fundamental questions in banking: is my money safe? This episode is a confidence-building deep dive into the protection that backs your deposits. We'll…
S1E17 17 - Inflation Explained: Why Your Dollar Buys Less
Feeling the pinch at the grocery store and the gas pump? This episode is a jargon-free guide to inflation. We demystify what it is, how it's measured using the Consumer Price Index (CPI), and how it…
S1E16 16 - The Fed Explained: What a Rate Change Means for You
You hear "the Fed raised rates" on the news, but what does that actually mean for your wallet? In this episode, we translate the complex headlines into practical, personal knowledge. We'll explain…
S1E15 15 - The World of Refinancing: When Does It Make Sense?
Could you be paying less on your car loan or mortgage? In this episode, we explain the pros and cons of refinancing. It can be a powerful tool to save money, but it's not the right move for everyone.…
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