Common Cents on the Prairie

With ripple effects from recent tariff policies, investors have been feeling all kinds of uncertainty lately. Bill Puggini, a senior portfolio specialist with Vanguard Financial Advisor Services, is helping us make sense of the current economy and offering advice on how investors can survive market volatility.You can find more episodes of Common Cents on the Prairie™ on Apple Podcasts, Spotify, YouTube, Amazon Music, and on our website.Watch every episode on YouTube, and subscribe to First National Bank's channel!Follow First National Bank on FacebookFollow First National Bank on InstagramFollow First National Bank on TikTokFollow First National Bank on X (Twitter)

Since age 7, when he began working on the family farm for a penny a week, Darren Hefty has been ingrained in the financial side of the agriculture industry. From funny memories of growing up on the farm to the days of expanding Hefty Seed Company, Darren shares his passions and hard-learned lessons with us.You can find more episodes of Common Cents on the Prairie™ on Apple Podcasts, Spotify, YouTube, Amazon Music, and on our website.Watch every episode on YouTube, and subscribe to First National Bank's channel!Follow First National Bank on FacebookFollow First National Bank on InstagramFollow First National Bank on TikTokFollow First National Bank on X (Twitter)

What does life after losing a spouse look like? Samantha Russell shares her experience following the loss of her husband more than a year ago, including what she's learned about stoicism, the importance of estate planning, and her takeaways from her husband's bestselling children's book.Get Ryan Russell's book, My Annoying, Irritating, Always-In-The-Way ShadowYou can find more episodes of Common Cents on the Prairie™ on Apple Podcasts, Spotify, YouTube, Amazon Music, and on our website.Watch every episode on YouTube, and subscribe to First National Bank's channel!Follow First National Bank on FacebookFollow First National Bank on InstagramFollow First National Bank on TikTokFollow First National Bank on X (Twitter)

He left his role as founder and CEO of Click Rain to become the 32nd mayor of Sioux Falls, moving from a career in the private sector to the public sector. Mayor Paul TenHaken has a candid conversation with us about his choice to become a public servant and the things that he thinks matter more than money.Get Paul's book, The Code of ContentmentLearn more about PaulYou can find more episodes of Common Cents on the Prairie™ on Apple Podcasts, Spotify, YouTube, Amazon Music, and on our website.Watch every episode on YouTube, and subscribe to First National Bank's channel!Follow First National Bank on FacebookFollow First National Bank on InstagramFollow First National Bank on TikTokFollow First National Bank on X (Twitter)

We can't all save puppies or play Major League Baseball for a living, but we can still find a sense of purpose. Hospice doctor, podcaster, and author Jordan Grumet answers the existential question of "What is purpose?", breaks down his formula for finding yours, and explains how money ties into it all.You can find more episodes of Common Cents on the Prairie™ on Apple Podcasts, Spotify, YouTube, Amazon Music, and on our website.Watch every episode on YouTube, and subscribe to First National Bank's channel!Follow First National Bank on FacebookFollow First National Bank on InstagramFollow First National Bank on TikTokFollow First National Bank on X (Twitter)

Updating your balance sheets, what to do with your annual raise, and "Christmas Vacation": First National Wealth Management's Adam Cox, Kyle Cipperley, and Don Rahn have a conversation about all things year-end to close out Season 6.You can find more episodes of Common Cents on the Prairie™ on Apple Podcasts, Spotify, YouTube, Amazon Music, and on our website.Watch every episode on YouTube, and subscribe to First National Bank's channel!Follow First National Bank on FacebookFollow First National Bank on InstagramFollow First National Bank on TikTokFollow First National Bank on X (Twitter)

Build, buy, or remodel? With the chaos of the housing market in recent years, many homebuyers are feeling stuck. Small business owners Ashley and Chuck Shaver chat about their housing situation, dreams of building on a two-acre lot, and how their financial histories impact it all. Equal Housing Lender.You can find more episodes of Common Cents on the Prairie™ on Apple Podcasts, Spotify, YouTube, Amazon Music, and on our website.Watch every episode on YouTube, and subscribe to First National Bank's channel!Follow First National Bank on FacebookFollow First National Bank on InstagramFollow First National Bank on TikTokFollow First National Bank on X (Twitter)

Are markets more volatile in an election year? Does the person or party in the Oval Office have any effect on my returns? Our financial experts Adam Cox and Kyle Cipperley sit down with Phil McInnis, chief investment strategist at Avantis Investors®, to find out how elections impact your money.You can find more episodes of Common Cents on the Prairie™ on Apple Podcasts, Spotify, YouTube, Amazon Music, and on our website.Watch every episode on YouTube, and subscribe to First National Bank's channel!Follow First National Bank on FacebookFollow First National Bank on InstagramFollow First National Bank on TikTokFollow First National Bank on X (Twitter)

After growing up in a paycheck-to-paycheck household, ⁠Diana Cabrices⁠ worked so hard to reach a higher financial status that she began to pay the price with her health. Hear about her journey from growing up with a scarcity mindset to now finding a better balance between her health and her wealth.You can find more episodes of Common Cents on the Prairie™ on Apple Podcasts, Spotify, YouTube, Amazon Music, and on our website.Watch every episode on YouTube, and subscribe to First National Bank's channel!Follow First National Bank on FacebookFollow First National Bank on InstagramFollow First National Bank on TikTokFollow First National Bank on X (Twitter)

After 20 years of climbing the corporate ladder, Lon Stroschein traded his impressive title, corner office, and executive salary for a new passion he had yet to discover. Now the former Raven Industries executive is helping others navigate what's next by leaning into the uncomfortable — but necessary — conversations.Learn more about Lon and Normal 40.  You can find more episodes of Common Cents on the Prairie™ on Apple Podcasts, Spotify, YouTube, Amazon Music, and on our website.Watch every episode on YouTube, and subscribe to First National Bank's channel!Follow First National Bank on FacebookFollow First National Bank on InstagramFollow First National Bank on TikTokFollow First National Bank on X (Twitter)

When farming meets fashion, here's what the finances look like. Rebekah Scott, founder and owner of Rebekah Scott Designs, and Nick Scott, a fifth-generation farmer and rancher, chat about their entrepreneurial journeys, what exactly goes on in a "Honey Huddle," and how Dave Ramsey saved their marriage.You can find more episodes of Common Cents on the Prairie™ on Apple Podcasts, Spotify, YouTube, Amazon Music, and on our website.Watch every episode on YouTube, and subscribe to First National Bank's channel!Follow First National Bank on FacebookFollow First National Bank on InstagramFollow First National Bank on TikTokFollow First National Bank on X (Twitter)

In this Common Cents Short Cut, Rebekah and Nick Scott chat with Adam about balancing business success with the many other hats they wear. Listen to the full episode, How We Money: When Farming Meets Fashion available now!You can find more episodes of Common Cents on the Prairie™ on Apple Podcasts, Spotify, YouTube, Amazon Music, and on our website.Watch every episode on YouTube, and subscribe to First National Bank's channel!Follow First National Bank on FacebookFollow First National Bank on InstagramFollow First National Bank on TikTokFollow First National Bank on X (Twitter)

Cindy Peterson wants everyone to view themselves as a philanthropist, whether that means giving of your time, talent, or treasure. The founder and CEO of Maximizing Excellence, a nonprofit consulting company in Sioux Falls, SD, joins Adam to discuss maximizing your impact no matter your financial situation.You can find more episodes of Common Cents on the Prairie™ on Apple Podcasts, Spotify, YouTube, Google Podcasts, Amazon Music, and on our website.Watch every episode on YouTube, and subscribe to First National Bank's channel!Follow First National Bank on FacebookFollow First National Bank on InstagramFollow First National Bank on TikTokFollow First National Bank on Twitter

If Michael and Jean Bender were to sum up their money story, it would be that opposites attract; he was raised to be a spender, while she was raised to be so frugal that a fried shrimp basket felt like a splurge. He's the founder of Bender Companies. She's a lawyer at Davenport Evans. Here's how they money. You can find more episodes of Common Cents on the Prairie™ on Apple Podcasts, Spotify, YouTube, Google Podcasts, Amazon Music, and on our website.Watch every episode on YouTube, and subscribe to First National Bank's channel!Follow First National Bank on FacebookFollow First National Bank on InstagramFollow First National Bank on TikTokFollow First National Bank on Twitter

"In a world full of men who love numbers, there was a place for a girl who loved words." Stacy Havener is an award-winning writer, founder and CEO of Havener Capital Partners, and Dunkin' superfan. Find out how she took control of her money narrative to become the main character in her own story.Want to hear more from Stacy? Listen to her podcast, Billion Dollar Backstory. You can find more episodes of Common Cents on the Prairie™ on Apple Podcasts, Spotify, YouTube, Google Podcasts, Amazon Music, and on our website.Watch every episode on YouTube, and subscribe to First National Bank's channel!Follow First National Bank on FacebookFollow First National Bank on InstagramFollow First National Bank on TikTokFollow First National Bank on Twitter

He went from $40,000 in debt to becoming a net-worth millionaire in less than 10 years, all by his early 30s. So, what's George Kamel's secret? Follow along as this Ramsey Solutions personality and bestselling author busts some common millionaire myths with Adam.Learn more about George Kamel here. You can find more episodes of Common Cents on the Prairie™ on Apple Podcasts, Spotify, YouTube, Google Podcasts, Amazon Music, and on our website.Watch every episode on YouTube, and subscribe to First National Bank's channel!Follow First National Bank on FacebookFollow First National Bank on InstagramFollow First National Bank on TikTokFollow First National Bank on Twitter

Mike and Cheryl Wells recently sold their family's business, Wells Enterprises — the renowned, Iowa-based maker of Blue Bunny ice cream. After more than 45 years of marriage, working for and eventually selling a business, and giving back to their small-town community, here's how they money.You can find more episodes of Common Cents on the Prairie™ on Apple Podcasts, Spotify, YouTube, Google Podcasts, Amazon Music, and on our website.Watch every episode on YouTube, and subscribe to First National Bank's channel!Follow First National Bank on FacebookFollow First National Bank on InstagramFollow First National Bank on TikTokFollow First National Bank on Twitter

Opening a joint account, buying a house together, and doing estate planning all before getting married?! Let's just say that spouses Jaime and Curtis Taets took a unique approach to merging their finances — but, well, that's what you have to do when entering a second marriage. Here's how they money.You can find more episodes of Common Cents on the Prairie™ on Apple Podcasts, Spotify, YouTube, Google Podcasts, Amazon Music, and on our website.Watch every episode on YouTube, and subscribe to First National Bank's channel!Follow First National Bank on FacebookFollow First National Bank on InstagramFollow First National Bank on TikTokFollow First National Bank on Twitter

For Heather and Douglas Boneparth, this isn't just a money story. It's a love story. Find out how these college sweethearts, who grew up with vastly different money experiences, overcame all obstacles to merge their financial lives — and how they're using the lessons they learned to help others do the same.You can find more episodes of Common Cents on the Prairie™ on Apple Podcasts, Spotify, YouTube, Google Podcasts, Amazon Music, and on our website.Watch every episode on YouTube, and subscribe to First National Bank's channel!Follow First National Bank on FacebookFollow First National Bank on InstagramFollow First National Bank on TikTokFollow First National Bank on Twitter

Ever wonder what causes you to fight with your spouse about finances, or to envy your neighbor's newer car and bigger house? Dr. Joy Lere, a licensed clinical psychologist and co-founder of Shaping Wealth, is here to break down the "why" behind our behaviors and issues surrounding money.You can find more episodes of Common Cents on the Prairie™ on Apple Podcasts, Spotify, YouTube, Google Podcasts, Amazon Music, and on our website.Watch every episode on YouTube, and subscribe to First National Bank's channel!Follow First National Bank on FacebookFollow First National Bank on InstagramFollow First National Bank on TikTokFollow First National Bank on Twitter

How far would you go to knock out $231,000 of debt? Inspired by Dave Ramsey's book The Total Money Makeover, Brittany and Josh Evans are leaving their Sioux Falls home and making some pretty major life changes to complete their seven-year plan for financial freedom. Here's how they money.You can find more episodes of Common Cents on the Prairie™ on Apple Podcasts, Spotify, YouTube, Google Podcasts, Amazon Music, and on our website.Watch every episode on YouTube, and subscribe to First National Bank's channel!Follow First National Bank on FacebookFollow First National Bank on InstagramFollow First National Bank on TikTokFollow First National Bank on Twitter

Angela Giombetti, head of marketing at Wealthspire Advisors, was inspired to share her story by our popular How We Money series. She offers Adam a look into the life-altering money experiences that shaped her financial journey, including the reason she always keeps the lights on in her house these days.You can find more episodes of Common Cents on the Prairie™ on Apple Podcasts, Spotify, YouTube, Stitcher, Google Podcasts, Amazon Music, and on our website.Watch every episode on YouTube, and subscribe to First National Bank's channel!Follow First National Bank on FacebookFollow First National Bank on InstagramFollow First National Bank on TikTokFollow First National Bank on Twitter

Aren't we supposed to be in a recession right now? Adam and Kyle Cipperley, Trust Investments Manager at First National Wealth Management, are breaking down what causes an economic downturn, what investors should do when one hits, and why we never got the recession experts swore would happen in 2023.You can find more episodes of Common Cents on the Prairie™ on Apple Podcasts, Spotify, YouTube, Stitcher, Google Podcasts, Amazon Music, and on our website.Watch every episode on YouTube, and subscribe to First National Bank's channel!Follow First National Bank on FacebookFollow First National Bank on InstagramFollow First National Bank on TikTokFollow First National Bank on Twitter

Can you imagine having $1 million in debt? Well Sarah Kurtenbach doesn't have to. She and her husband lived it — and then she went on to start a company that teaches others financial literacy. Find out how the Sioux Falls entrepreneur, digital/social media expert, and founder of moveHER Money went from big debt to big impact.Easy Ways to Make Money FreebieFollow Sarah on InstagramFollow moveHER Money on InstagramYou can find more episodes of Common Cents on the Prairie™ on Apple Podcasts, Spotify, YouTube, Stitcher, Google Podcasts, Amazon Music, and on our website.Watch every episode on YouTube, and subscribe to First National Bank's channel!Follow First National Bank on FacebookFollow First National Bank on InstagramFollow First National Bank on TikTokFollow First National Bank on Twitter

Ever wonder what goes down when you start working with a wealth management firm? Our financial gurus — Adam Cox, Kyle Cipperley, and Joe Dylla — walk you through the prospect review process and share their financial recommendations for an iconic sitcom couple: Jim and Pam Halpert from “The Office.”You can find more episodes of Common Cents on the Prairie™ on Apple Podcasts, Spotify, YouTube, Stitcher, Google Podcasts, Amazon Music, and on our website.Watch every episode on YouTube, and subscribe to First National Bank's channel!Follow First National Bank on FacebookFollow First National Bank on InstagramFollow First National Bank on TikTokFollow First National Bank on Twitter

Our first ever live podcast recording is full of deep emotion, plenty of laughs, and a lot of heart. From surviving on government assistance programs to taking loans from their 10-year-old son, here's how Dell Rapids, SD, couple Jenn and Mike Reecy overcame all odds — and how they money.You can find more episodes of Common Cents on the Prairie™ on Apple Podcasts, Spotify, YouTube, Stitcher, Google Podcasts, Amazon Music, and on our website.Watch every episode on YouTube, and subscribe to First National Bank's channel!Follow First National Bank on FacebookFollow First National Bank on InstagramFollow First National Bank on TikTokFollow First National Bank on Twitter

As a young professional, you probably have more questions about money than digits in your account balance. When should I pay off debt? How much should I be saving? Can I still have fun with my money? Adam and financial wellness advocate Bobbi Rebell share their financial hacks for these topics and more.Order Bobbi's book, Launching Financial Grownups, here. You can find more episodes of Common Cents on the Prairie on Apple Podcasts, Spotify, YouTube, Stitcher, Google Podcasts, Amazon Music, and on our website.Watch every episode on YouTube, and subscribe to First National Bank's channel!Follow First National Bank on FacebookFollow First National Bank on InstagramFollow First National Bank on TikTokFollow First National Bank on Twitter

Craig Snyder is the CEO of VIKOR Telecommunications and founder of Pomegranate Market in Sioux Falls. Kristin Snyder is a stay-at-home mom and CFO — chief family officer. Together, they've tackled challenges in family, business, and finances through one guiding force: faith. Here's how they money.You can find more episodes of Common Cents on the Prairie on Apple Podcasts, Spotify, YouTube, Stitcher, Google Podcasts, Amazon Music, and on our website.Watch every episode on YouTube and subscribe to First National Bank's channel!Follow First National Bank on FacebookFollow First National Bank on InstagramFollow First National Bank on TikTokFollow First National Bank on Twitter

There are three things in life that are certain: death, taxes, and stock market uncertainty. So, before you make the mistake of trying to predict future market conditions, implement Adam's four strategies for staying level-headed when things inevitably go sideways.You can find more episodes of Common Cents on the Prairie on Apple Podcasts, Spotify, YouTube, Stitcher, Google Podcasts, Amazon Music, and on our website.Watch every episode on YouTube and subscribe to First National Bank's channel!Follow First National Bank on FacebookFollow First National Bank on InstagramFollow First National Bank on TikTokFollow First National Bank on Twitter

Karen and Mike Bankowski both have an entrepreneurial spirit, but raising two kids while building their businesses requires balance (and money). These high school sweethearts get honest about juggling work and family, surviving the effects of COVID on small businesses, and funding the passions that became their livelihoods.You can find more episodes of Common Cents on the Prairie on Apple Podcasts, Spotify, YouTube, Stitcher, Google Podcasts, Amazon Music, and on our website.Watch every episode on YouTube and subscribe to First National Bank's channel!Follow First National Bank on FacebookFollow First National Bank on InstagramFollow First National Bank on TikTokFollow First National Bank on Twitter

The value of compound experiences, the continuum of YOLO versus deferred gratification, and the fallacy of enough — Dr. Jordan Grumet has learned a lot from his dying patients about money, happiness, and end-of-life regrets. What are these concepts, and how can they help us find meaning outside of money?You can find more episodes of Common Cents on the Prairie on Apple Podcasts, Spotify, YouTube, Stitcher, Google Podcasts, Amazon Music, and on our website.Watch every episode on YouTube and subscribe to First National Bank's channel!Follow First National Bank on FacebookFollow First National Bank on InstagramFollow First National Bank on TikTokFollow First National Bank on Twitter

Regardless of market conditions, should we just keep buying? Nick Maggiulli, chief operating officer and data scientist at Ritholtz Wealth Management, has a lot to say on the subject — like how continuing to invest even in unfavorable markets will bring you financial success in the long run. You can find more episodes of Common Cents on the Prairie on Apple Podcasts, Spotify, YouTube, Stitcher, Google Podcasts, Amazon Music, and on our website. Learn more about Nick:Book: https://www.amazon.com/Just-Keep-Buying-Proven-wealth/dp/0857199250Blog: https://ofdollarsanddata.com/Twitter: https://twitter.com/dollarsanddataInstagram: https://www.instagram.com/nickmaggiulli/

Most of what Erika and Tyler Tordsen know about money, they taught themselves. Now — with two careers, two kids, and two dogs — these college sweethearts are learning how to navigate life in the messy middle. From paying down debt to passing down good financial habits to their kids, here's how they money.

Your parents might be approaching the age when you need to have "the talk" with them. Cameron Huddleston, an award-winning personal finance journalist and author of Mom and Dad, We Need to Talk, has some tips on how to have that "talk" with your parents...about money, of course!

Money is the leading stressor in the lives of 63% of Americans. But, what if it didn't have to be? Dr. John Delony, a bestselling author and Ramsey Solutions personality, is here to tell you how owning your past financial trauma can help change your money destiny and reduce your stress for good.

Not long ago, the markets were at all-time highs. Now we're in a market downturn, inflation is at its highest in 40 years, and interest rates are going up. But don't panic! Adam and Trust Investments Manager Kyle Cipperley have strategies to help you navigate this downturn — and maybe even take advantage of it.  

When it comes to kids and money, you can't count on a high school personal finance class to teach them everything they need to know. Hear from CERTIFIED FINANCIAL PLANNER™️ Bobbi Rebell on why 79% of parents are providing financial support to their adult children and how to raise financially successful kids instead.

Do you have questions about tackling student loan debt, funding your child's college education, or paying off your mortgage early? So do a lot of other people! On this episode, Adam and Wealth Advisory Manager Don Rahn answer common questions we've received from viewers about personal finance.

Has social media made comparison culture worse? Adam sits down with Rachel Cruze, a personality at Ramsey Solutions, financial expert, and bestselling author, to answer that question and discuss one of our favorite topics: keeping up with the Joneses.

Have you had the money talk with your partner, your kids, or your friends yet? If not, then here's your sign — and if you don't know where to start, then here's your guide. Adam meets with Kathleen Burns Kingsbury, a wealth psychology expert and author of Breaking Money Silence®, to discuss shattering the money taboo and talking openly about your finances. 

The Kittelsons have made a lot of sacrifices to achieve financial freedom, like selling some pretty important possessions. Adam sits down with Sioux Falls residents Heather, foundation director at Volunteers of America – Dakotas, and Amos, owner and president of Sidewalk Technologies, to discuss their journey to finding financial freedom. 

To be a successful investor, you need to know the tricks of the trade — like not trading too much. In this episode, Adam and guest Sarah Madison outline the five secrets of successful investors and explain how you can apply them to your own portfolio.

Retirement can be exciting — or scary — depending on your circumstances. In this episode, Adam and financial advisor Roger Whitney talk about steps you can take to prepare for retirement and how to reap the rewards in the long run. 

Climbing out of debt is anything but fun, and it takes a lot of sacrifices. On this How We Money episode, Adam sits down with Eric and Laryssa Fahrendorf to talk about the struggles of paying off student loan debt together and setting financial goals along the way.

With the year-end fast approaching, now is the perfect time to discuss charitable giving. This is the time of year when many people do their bulk of donating — and with good reason. To help us unpack charitable giving on this episode, Adam sits down with Andy Patterson, president of the Sioux Falls Area Community Foundation, and they discuss making charitable gifts during the holiday season.

When people hear the word “millionaire,” they think of luxury cars, designer clothes, big houses, and yachts. In reality, your next-door neighbor could be a millionaire. If you play your cards right, you could be too. On this episode, Adam sits down with Dr. Sarah Stanley Fallaw, coauthor of The Next Millionaire Next Door. In their discussion, Sarah shares the secret to how ordinary people like you can become a millionaire.Money Personality test – This is an example of a behavioral assessment.Advisor Leadership test – This assessment is designed to help advisors understand their competencies and learn how to improve.DataPoints research and white papers

Ever wonder how other people handle their money? Us, too! We're launching a new series on Common Cents on the Prairie called, "How We Money." We'll explore how other people deal with their personal finances, set goals, what they struggle with, and what they've gotten right. This first episode, we dive into a financial Q&A with Adam and his wife Diane. 

So, you're just getting into the finance game. You do your own trading on your apps. You're always watching the markets, looking for the next big thing. It might seem like you've found a way to make your own money, with no need for paying an advisor. But when it comes to maximizing your returns, could you actually be your own worst enemy? This episode, Adam sits down with Dr. Daniel Crosby, Chief Behavioral Officer at Orion Advisory Solutions, to talk about how human nature can actually be detrimental when it comes to making decisions about money. 

Waiving inspections? Paying with cash? Offering way more than asking price? The housing market is getting crazier by the day. So if you're thinking about buying a home right now, there are a few things to consider. In this episode, Adam is joined by FNBSF Mortgage Manager, Ryan Dean, and Danielle Konechne, a broker with Fisher Sisters Real Estate, to talk about the red hot real estate market and best practices for buying and selling. 

Cryptocurrencies? Meme investing? Gambling? A lot has changed a lot over the last year making it even more confusing on what investors should do. Adam and Paul Lehman, Head of Bank Trust Group at Dimensional Fund Advisors, talk about how you can best navigate through all the noise. 

Life insurance is one of the most important decisions we can make financially, but it can be hard to understand. Adam is joined by Jeff Zander, CEO of Zander Insurance (the only insurance company recommended by Dave Ramsey), to discuss the differences between cash value and term life insurance, and also how you can pick the one that's right for you.