Cashology is FNBO's online community for personal finance topics and questions. If you're looking to save more, budget effectively or make better money decisions, we're here to listen and provide guidance.
In this episode of the Cashology Podcast, Justin sits down with Esmé Ramos, a seasoned banking professional with 16 years of experience, to discuss effective strategies for managing student loan debt. Drawing from her expertise as a branch manager of one of FNBO's busiest locations, Esmé shares seven practical approaches to tackle not just student loans, but any type of loan debt.
The conversation explores various debt management strategies, from making extra payments and refinancing for better terms to setting up automatic payments and implementing biweekly payment schedules. Esmé emphasizes the importance of prioritizing high-interest loans and maintaining regular financial check-ups with trusted advisors. The discussion also touches on creative ways to boost income for debt repayment while maintaining a healthy work-life balance.
Throughout the episode, Esmé's passion for helping clients achieve their financial goals shines through, as she provides actionable advice that can be customized to individual situations and financial circumstances.
Listen here and follow @CashologybyFNBO® on YouTube for more!
5 Dec 2024
Demystyfying Net Worth
Keri Mallory, Branch Manager at FNBO, shares actionable insights on calculating and tracking net worth to achieve financial health and stay on course towards goals.
30 Sept 2024
Debt-Free Budgeting: The 80/20 Rule
In this episode of the Cashology Podcast, Justin sits down with Julia Conover, Branch Manager at FNBO, to discuss a simple yet powerful budgeting tool: the 80/20 rule. Julia walks us through how this method prioritizes 20% of your after-tax income for savings, while the remaining 80% covers everything else. This flexible approach to budgeting can be easier to follow than the more detailed 50/20/30 method and works well for individuals who prefer not to overthink spending.
Learn practical ways to stay committed to saving by setting up multiple savings accounts, automating your savings contributions, and regularly reassessing your financial goals. Whether you’re looking to build savings or just want a simpler approach to managing your budget, this episode might help you feel more in control of your financial future.
Listen here and follow @CashologybyFNBO® on YouTube for more!
Reach and audience
Public platform figures. Ratings count people who left a rating, not total listeners.
YouTube views
502,424
Score snapshot 15 Sept 2025
Apple Podcasts (US)
4.4 / 5
14 ratings
Podcast Authority Score: 58 / 100
A composite of feed quality, social presence, YouTube performance and engagement. Read the methodology.
Quality
61
Social presence
0
YouTube
86
Engagement
50
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