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.
Think twice before you click "Pay in 4"! In the Season 3 premiere of Making Sense of Your Cents, hosts Daniel Hill and Shanna Browning unpack the hidden reality behind "Buy Now, Pay Later" (BNPL) services. While these micro-installment loans promise zero-percent interest and effortless budgeting, they often act as a quiet drain on household cash flow, leading to overspending, forgotten automatic drafts, and surprise overdraft fees. Daniel and Shanna break down the mechanics of point-of-...
29 Sept 2026
50 - Building a Legacy
We have officially reached 50 episodes of Making Sense of Your Cents! In our Season 2 finale, Daniel and Shanna look at the big picture of family wealth and explore what it truly takes to build and protect a lasting legacy. We strip away the legal intimidation around estate planning to break down the essential differences between Wills and Trusts, explain why every adult needs a Financial Power of Attorney and Healthcare Directive, and discuss the peace of mind that comes with clear planning....
22 Sept 2026
49 - Cybersecurity: Travel and Public WiFi Risks
Are you unknowingly leaving your personal data exposed when traveling? In this episode of Making Sense of Your Cents, Daniel and Shanna break down the essential rules of mobile cybersecurity to keep your identity and finances safe on the road. Daniel walks through the technical mechanics of open WiFi risks and "Evil Twin" hotspots, details why you should never access banking apps over public networks, and explains how to turn your phone into a secure cellular hotspot or use a VPN. Plus, we co...
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