Making Sense of your Cents
First Century Bank
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About This Podcast
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.
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Recent Episodes
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.…
S1E14 14 - Building (or Rebuilding) Credit from Scratch
Whether you have a blank credit file or are recovering from past financial mistakes, this episode provides a clear roadmap to a better score. We lay out actionable strategies for building a positive…
S1E13 13 - How to Read Your Credit Report
Your credit report is the official story of your financial life—but is it telling the truth? In this episode, we provide a step-by-step guide to pulling your free annual credit report from the only…
S1E12 12 - Planning for Major Life Events
Life's biggest milestones—getting married, having a baby, buying a home—are also major financial events. Joined by CFO Barron D. Kennedy, IV, we discuss the key financial conversations and action…
S1E11 11 - Protecting Your Identity
Identity theft goes far beyond a single stolen credit card number. As the bank's Security Officer, Daniel Hill joins Shanna Browning to dive into serious threats like the "Grandparent Scam," elder…
S1E10 10 - Spotting a Phish: How to Avoid Common Scams
Fake emails, suspicious texts, and urgent calls—scammers are working overtime to trick you. In this episode, cybersecurity expert Ben Lawson, GM of Burk IT, joins the conversation to teach you how to…
S1E9 09 - Digital Banking & Online Security
Your bank is in your pocket, but is your account secure? Joined by Wesley Minton, COO & Information Security Officer at First Century Bank, we discuss the essential habits for staying safe in the…
S1E8 08 - Intro to Mortgages
The path to homeownership can feel overwhelming, but it doesn't have to be. In this episode, we break down the crucial first steps of the mortgage process. This episode is a jargon-free introduction…
S1E7 07 - Checking, Savings, and Beyond
Is all your money piled into one checking or savings account? In this episode, Daniel and Shanna explore the financial toolbox of different bank accounts. We’ll explain the specific jobs of Checking,…
S1E6 06 - Demystifying Debit vs. Credit
Which card should you swipe at the checkout? It’s not about "good" vs. "bad"—it's about using the right tool for the right job. In this episode, we explore the fundamental differences between debit…
S1E5 05 - Creating a Simple Budget That Works
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…
S1E4 04 - Savings 101: Paying Yourself First
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…
S1E2 02 - APR vs. APY: What's the Difference?
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…
S1E3 03 - Your Credit Score Explained
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…
S1E1 01 - Welcome to Making Sense of your Cents
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…
Frequently Asked Questions
Making Sense of your Cents has published 21 episodes since October 2025, covering topics in Education, Self-Improvement.
Making Sense of your Cents is currently highly active with new episodes weekly. Average episode length is 12m.
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