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!
1
00:00:08,808 --> 00:00:11,811
You're listening to the Cashology
podcast by FNBO,
2
00:00:11,945 --> 00:00:15,648
a place dedicated to helping you
become more financially savvy every day.
3
00:00:15,782 --> 00:00:18,852
It's a little like school,
but your only homework is living your best
4
00:00:18,852 --> 00:00:19,919
financial life.
5
00:00:19,919 --> 00:00:22,922
I'm your host,
Justin, and class is now in session.
6
00:00:25,925 --> 00:00:26,960
Welcome back to the Cashology
7
00:00:26,960 --> 00:00:30,497
podcast, a place where we dive
deep into personal finance
8
00:00:30,497 --> 00:00:33,533
to bring you actionable insights
and real life wisdom.
9
00:00:33,900 --> 00:00:38,972
So in this episode,
we talk about the 80-20 rule of budgeting.
10
00:00:38,972 --> 00:00:42,142
And so you might be familiar
in a prior episode.
11
00:00:42,142 --> 00:00:44,644
Check out episode three of this podcast.
12
00:00:44,644 --> 00:00:49,482
You may be familiar with the budgeting
method called the 50-20-30 rule,
13
00:00:49,682 --> 00:00:52,886
where you allocate 50% of your budget
to needs
14
00:00:52,886 --> 00:00:57,357
20% to savings and debt and 30% to your wants.
15
00:00:57,557 --> 00:01:00,660
And so we touched on this
a little bit in this episode, but,
16
00:01:00,660 --> 00:01:03,663
kind of bringing in a new flavor
of budgeting.
17
00:01:03,930 --> 00:01:07,500
And so Julia Conover,
who's a branch manager here at First
18
00:01:07,500 --> 00:01:12,272
National Bank of Omaha, joins me
in this episode and gives us some insight.
19
00:01:12,539 --> 00:01:17,310
And, the inner workings of what
the 80-20 budgeting rule
20
00:01:17,310 --> 00:01:22,382
is, how to advise it, how to apply it,
and kind of the flexibility it brings.
21
00:01:22,682 --> 00:01:25,285
And so, I had a really great conversation
with Julia.
22
00:01:25,285 --> 00:01:26,486
She's absolutely wonderful.
23
00:01:26,486 --> 00:01:29,489
I can tell she's passionate
about banking and helping
24
00:01:29,622 --> 00:01:32,959
customers in near
and far reach their financial goals.
25
00:01:32,959 --> 00:01:36,362
So I hope you enjoyed this episode
with Julia Conover
26
00:01:36,362 --> 00:01:38,364
talking about the 80-20 budget rule.
27
00:01:41,034 --> 00:01:43,636
Well, hey Julia,
thanks for joining the podcast episode.
28
00:01:43,636 --> 00:01:44,971
It's really great to have you.
29
00:01:44,971 --> 00:01:45,271
JULIA
Thanks.
30
00:01:45,271 --> 00:01:48,274
I'm so happy to be here
I appreciate the invite.
31
00:01:48,274 --> 00:01:49,542
JUSTIN
Yes! We love having guests.
32
00:01:49,542 --> 00:01:53,379
So kind of just as we get started,
can you share just,
33
00:01:53,379 --> 00:01:56,583
with our listeners a little bit
about your background at the bank?
34
00:01:56,950 --> 00:01:57,750
JULIA
Absolutely.
35
00:01:57,750 --> 00:02:00,520
So, in total,
I've been with the bank about eight years.
36
00:02:00,520 --> 00:02:04,090
I started here as a teller,
and then I worked my way up.
37
00:02:04,090 --> 00:02:06,259
And currently a branch manager.
38
00:02:06,259 --> 00:02:09,195
So I've worn a lot of different hats
in my time here.
39
00:02:09,195 --> 00:02:09,896
JUSTIN
For sure.
40
00:02:09,896 --> 00:02:10,930
Absolutely. Well, we love it.
41
00:02:10,930 --> 00:02:15,235
So today's topic is,
the 80-20 budgeting rule.
42
00:02:15,235 --> 00:02:17,504
So let's just go ahead and dive right in.
43
00:02:17,504 --> 00:02:23,176
Can you share, Julia, what the 80-20 rule
is and the pros and cons of using it?
44
00:02:23,576 --> 00:02:24,978
JULIA
Yeah, absolutely.
45
00:02:24,978 --> 00:02:27,780
This is actually one of my favorite
budgeting rules.
46
00:02:27,780 --> 00:02:29,282
It's one that I use personally.
47
00:02:29,282 --> 00:02:31,918
And so I'm super happy to talk about it.
48
00:02:31,918 --> 00:02:35,455
So the 80-20 rule is a budgeting method
where
49
00:02:35,622 --> 00:02:39,092
20% of your after tax
income is prioritized for savings,
50
00:02:39,526 --> 00:02:42,428
and the remaining 80%
goes to everything else.
51
00:02:42,428 --> 00:02:46,900
So I love this one personally,
because there's no different
52
00:02:46,900 --> 00:02:49,969
allocation
between your needs and your wants.
53
00:02:50,336 --> 00:02:53,339
It's very similar to the 50-30-20 rule.
54
00:02:53,339 --> 00:02:56,342
But you don't have to do that
extra break down.
55
00:02:56,376 --> 00:02:58,678
So it makes it a lot easier.
56
00:02:58,678 --> 00:03:01,681
I think it's also super flexible,
easy to follow.
57
00:03:01,681 --> 00:03:05,218
I think the big thing for most people
is that you don't have
58
00:03:05,218 --> 00:03:06,586
to put that microscope
59
00:03:06,586 --> 00:03:10,790
against it too much on scooters
or whatever that might be for your wants.
60
00:03:11,024 --> 00:03:12,892
For me
personally, that's a big part of it.
61
00:03:12,892 --> 00:03:14,260
JUSTIN
Oh, I'm right with you.
62
00:03:14,260 --> 00:03:16,796
I was like, you're calling me out,
Julia. You're calling me out.
63
00:03:16,796 --> 00:03:19,132
JULIA
Yeah you know who doesn't spend
a little too much?
64
00:03:19,132 --> 00:03:19,732
Right.
65
00:03:19,732 --> 00:03:21,601
Especially with the pumpkin spice season.
66
00:03:21,601 --> 00:03:22,635
JUSTIN
Oh, it's back?
67
00:03:22,635 --> 00:03:26,539
JULIA
Yeah. Probably not the best
method for somebody,
68
00:03:26,539 --> 00:03:29,542
though,
who is prioritizing paying off debt.
69
00:03:29,642 --> 00:03:32,612
But if that is not something
that's in your goals list.
70
00:03:33,313 --> 00:03:36,182
Really, again, it's a great easy thing to follow.
71
00:03:36,182 --> 00:03:36,916
JUSTIN
I like that a lot.
72
00:03:36,916 --> 00:03:37,684
And I like how you said you
73
00:03:37,684 --> 00:03:40,753
you use this version of the tool,
because I think I also do as well.
74
00:03:40,753 --> 00:03:44,357
I don't know if I've ever really thought
about, ooh, what what percentages
75
00:03:44,724 --> 00:03:46,025
am I actually saving?
76
00:03:46,025 --> 00:03:49,028
But I love, like,
this simplicity of the 80-20.
77
00:03:49,662 --> 00:03:53,533
I can't think too many plates
spinning at the same time.
78
00:03:53,533 --> 00:03:54,901
Is not going to work for Justin.
79
00:03:54,901 --> 00:03:58,238
So I really like
the 80-20 is very simple.
80
00:03:58,238 --> 00:04:00,907
Two buckets of kind of where
your money goes.
81
00:04:00,907 --> 00:04:03,710
So Julia, what tips can you give to those
82
00:04:03,710 --> 00:04:07,380
considering the 80-20 rule
to help them remain committed to saving?
83
00:04:07,380 --> 00:04:08,915
You know, 20% of,
84
00:04:08,915 --> 00:04:11,951
I imagine, the after tax income or,
you know, their take home pay.
85
00:04:12,485 --> 00:04:13,853
JULIA
Yeah, absolutely.
86
00:04:13,853 --> 00:04:15,822
So first and foremost,
I think the biggest thing
87
00:04:15,822 --> 00:04:20,693
for people to remember is that this 20%
can go to a lot of different
88
00:04:20,693 --> 00:04:23,730
savings goals and then to a lot of
different savings buckets.
89
00:04:24,097 --> 00:04:27,233
So it's not that you have to
just make sure you're but 20%.
90
00:04:27,233 --> 00:04:32,171
And it's like with savings account rate,
you can disperse this between your 401 K.
91
00:04:32,205 --> 00:04:35,341
And if you're doing,
you know, little investing account,
92
00:04:35,608 --> 00:04:39,379
or if you just have multiple savings
accounts for your different goals.
93
00:04:39,679 --> 00:04:44,083
However, it is best going to keep you
organized is what I would say.
94
00:04:44,450 --> 00:04:48,021
And a big thing
when thinking about savings
95
00:04:48,021 --> 00:04:51,891
is that you have to make sure that your
goals are specific and they're measurable.
96
00:04:52,292 --> 00:04:55,528
So, you know,
I want to save X amount of dollars
97
00:04:55,528 --> 00:04:58,831
for my vacation to Mexico next year.
98
00:04:59,065 --> 00:05:01,034
So I need to have this amount of dollars
99
00:05:01,034 --> 00:05:04,037
saved by the state
in order to pay for that.
100
00:05:04,070 --> 00:05:06,706
And then, you know, open a separate
101
00:05:06,706 --> 00:05:09,842
savings account for that individual goal,
whether that be
102
00:05:09,842 --> 00:05:12,979
a liquid savings or whatever else
kind of account that might be.
103
00:05:13,613 --> 00:05:16,516
So that that way
you can also like progress.
104
00:05:16,516 --> 00:05:17,850
check yourself throughout that time
up to your goal, right.
105
00:05:17,850 --> 00:05:19,519
check yourself throughout that time
up to your goal, right.
106
00:05:19,519 --> 00:05:22,522
To make sure if you're missing
the mark that you can add more
107
00:05:23,122 --> 00:05:26,192
or if you're over saving that, maybe
you can allocate that to another goal
108
00:05:26,225 --> 00:05:27,427
that isn't yet on your list,
109
00:05:27,427 --> 00:05:31,431
or wasn’t yet a priority
and then make your savings automatic.
110
00:05:31,698 --> 00:05:34,267
I cannot stress this enough.
111
00:05:34,267 --> 00:05:38,604
One of our investments,
planning reps, here
112
00:05:38,604 --> 00:05:42,041
when I was,
brand new to the bank, had talked to me,
113
00:05:42,809 --> 00:05:45,611
and he said something
that really stuck with me.
114
00:05:45,611 --> 00:05:48,348
He said, pay yourself first.
115
00:05:48,348 --> 00:05:53,653
So, when I go to divvy up
my, like, direct deposit,
116
00:05:53,653 --> 00:05:56,756
I set a certain amount of savings
to go to my 401K,
117
00:05:56,756 --> 00:05:59,892
to go to my different investment accounts
and to go to my little savings bucket.
118
00:06:00,326 --> 00:06:03,162
But I never even see that money,
like my first national
119
00:06:03,162 --> 00:06:06,165
just pops it right into my savings
so I don’t have to do anything.
120
00:06:06,265 --> 00:06:07,433
I think.
121
00:06:07,433 --> 00:06:10,136
I don't know about everyone,
but for me personally, sometimes
122
00:06:10,136 --> 00:06:13,906
when you see a bucket of money
and then you have to take 20% of it away
123
00:06:13,906 --> 00:06:17,844
and put it other places, it's like,
oh, well, I could be doing this with it,
124
00:06:18,111 --> 00:06:20,813
or I could be doing that with it,
or I could go buy that pair of shoes right?
125
00:06:20,813 --> 00:06:21,114
JUSTIN
Yes!
126
00:06:21,114 --> 00:06:24,384
JULIA
So if you just never look at it
and it just goes in the savings accounts
127
00:06:24,384 --> 00:06:27,387
automatically, I think it makes it
so much easier to just pretend
128
00:06:27,387 --> 00:06:30,390
that it's not there, but you know, that
it is contributing to those goals.
129
00:06:30,556 --> 00:06:32,392
JUSTIN
Yes. Out of sight, out of mind.
130
00:06:32,392 --> 00:06:33,292
JULIA
Absolutely!
131
00:06:33,292 --> 00:06:38,865
JUSTIN
I operate the same way of, in this 80-20
like, that 80% is the money I get to spend.
132
00:06:38,898 --> 00:06:41,334
I have no idea where that 20% is going.
133
00:06:41,334 --> 00:06:43,836
Right?
Like I've never seen it before in my life.
134
00:06:43,836 --> 00:06:44,971
Of course, going to retirement.
135
00:06:44,971 --> 00:06:49,575
But I liked what you said
about multiple savings accounts
136
00:06:49,575 --> 00:06:51,944
and kind of like tracking,
because I don't do that.
137
00:06:51,944 --> 00:06:55,748
But you know, I think today I think of
one savings account and then I'm like
138
00:06:55,748 --> 00:06:59,619
dividing out of like, oh, this is the trip
that we want to take to Mexico.
139
00:06:59,652 --> 00:07:03,189
This is, you know, our Christmas vacation
kind of thing.
140
00:07:03,189 --> 00:07:04,857
And so it's all lumped in.
141
00:07:04,857 --> 00:07:06,826
But I really think
I'm going to take that nugget of,
142
00:07:06,826 --> 00:07:10,263
okay, let's just do is set a separate
account and then track that progress.
143
00:07:10,263 --> 00:07:14,634
And it's, it's that measurable component
of being able to see your kind of progress
144
00:07:14,634 --> 00:07:16,035
as time goes
on. I really love that.
145
00:07:16,035 --> 00:07:17,103
JULIA
Yeah, absolutely.
146
00:07:17,103 --> 00:07:20,440
And for both places, I mean, I know here
at First National, if you want
147
00:07:20,440 --> 00:07:22,041
10 savings account, you can have 10 savings accounts.
148
00:07:22,041 --> 00:07:24,944
and they can all be those high yield,
you know, paying accounts.
149
00:07:24,944 --> 00:07:28,815
So most places are going to give you that
option as well, which I think it's nice.
150
00:07:28,815 --> 00:07:31,717
We try to make it easy for us
right.
151
00:07:31,717 --> 00:07:32,351
JUSTIN
Perfect. We love it.
152
00:07:32,351 --> 00:07:38,391
So tell me, how rigidly should a guest
be following the 80-20 rule?
153
00:07:38,424 --> 00:07:38,691
Like so.
154
00:07:38,691 --> 00:07:40,293
If we have listeners that are in like
155
00:07:40,293 --> 00:07:43,729
absolute rule followers, what's
your kind of recommendation to them?
156
00:07:44,163 --> 00:07:48,000
JULIA
So I think it just goes back
to remembering that this is an easy
157
00:07:48,000 --> 00:07:49,001
and flexible plan.
158
00:07:49,001 --> 00:07:50,536
I mean, it
is that way for a reason, right?
159
00:07:50,536 --> 00:07:52,672
Because life happens.
160
00:07:52,672 --> 00:07:53,339
Life happens.
161
00:07:53,339 --> 00:07:54,273
And there aren’t going to be times
162
00:07:54,273 --> 00:07:54,974
where you're going to have to make
163
00:07:54,974 --> 00:07:57,977
adjustments to the situations
that are going on in your daily life.
164
00:07:58,277 --> 00:08:02,682
It is a guide to help you
reach your savings goals.
165
00:08:02,682 --> 00:08:05,318
It is not hard and fast rules.
166
00:08:05,318 --> 00:08:09,856
You can adapt to this as you go
and as challenges may arise.
167
00:08:09,856 --> 00:08:12,425
Or, you know, unexpected bills.
168
00:08:12,425 --> 00:08:16,662
I recently had to pay my insurance
deductibles or my routes.
169
00:08:16,729 --> 00:08:18,965
I know a lot of
people in the same situation. Right?
170
00:08:18,965 --> 00:08:22,568
So that changed my allocation
for some of those goals a little bit,
171
00:08:22,568 --> 00:08:25,571
because I had to move a little bit
more of that money to, to pay that over.
172
00:08:25,905 --> 00:08:28,741
So some months
you're going to have things like that
173
00:08:28,741 --> 00:08:32,111
where you have to take a little bit out
and allocated it to something else,
174
00:08:32,111 --> 00:08:35,114
and then other months,
you know, you have an a surplus.
175
00:08:35,681 --> 00:08:37,583
You fill that gap
and put it back in those holes.
176
00:08:37,583 --> 00:08:42,154
And again, that also goes back to
when you have your separate buckets
177
00:08:42,788 --> 00:08:45,458
and you can check yourself,
you know, as you go,
178
00:08:45,458 --> 00:08:48,928
maybe monthly or biweekly
however you choose to do that.
179
00:08:49,262 --> 00:08:52,164
So when you do have a surplus months,
you can see where do I really want this
180
00:08:52,164 --> 00:08:55,167
to go to fill in the gaps
in my problem month?
181
00:08:55,268 --> 00:08:58,471
JUSTIN
Yeah, I like that flexibility
because similar
182
00:08:58,471 --> 00:09:01,574
scenario of, you know, a few months ago
we bought a new to us home.
183
00:09:01,574 --> 00:09:01,941
Right.
184
00:09:01,941 --> 00:09:05,244
And probably leading up to it,
185
00:09:05,244 --> 00:09:08,414
very diligent 80-20,
maybe even more like a 70-30.
186
00:09:08,414 --> 00:09:10,383
Right? Saving for that down payment.
187
00:09:10,383 --> 00:09:13,319
And then, man, we buy the house
and it's like, oh, now
188
00:09:13,319 --> 00:09:16,822
we're doing like 99 one
because we have to like buy paint.
189
00:09:16,822 --> 00:09:19,559
We have to like buy new furniture
and like all of this stuff.
190
00:09:19,559 --> 00:09:22,695
So that flexibility, I think is kind of
191
00:09:23,362 --> 00:09:26,933
the 80-20 rule is like meeting you
where you are in the moment.
192
00:09:26,933 --> 00:09:32,838
And I think the the key component
is constantly reflecting and reassessing
193
00:09:33,205 --> 00:09:39,111
of like for us, you know,
where like a 95, 99, 1% saving of all right,
194
00:09:39,145 --> 00:09:41,213
well then at the end of this month
we need to
195
00:09:41,213 --> 00:09:43,983
we need to recalibrate and figure out,
okay, what's
196
00:09:43,983 --> 00:09:46,385
next month going to look like?
What are we kind of doing there?
197
00:09:46,385 --> 00:09:49,789
So it's a constant check in
but it's flexible for what you need.
198
00:09:50,222 --> 00:09:52,425
JULIA
Absolutely. I like how you said new to us house.
199
00:09:52,425 --> 00:09:54,427
I've been in that situation as well.
200
00:09:54,427 --> 00:09:57,430
And you know what we don't think about
when you go from an apartment to a house
201
00:09:57,597 --> 00:10:00,499
is a washer and dryer
and a lawnmower, right?
202
00:10:00,499 --> 00:10:03,235
There's just things
that you just don't plan for.
203
00:10:03,235 --> 00:10:06,238
And so
and that's where the flexibility is just.
204
00:10:06,872 --> 00:10:07,373
Delicious.
205
00:10:13,479 --> 00:10:14,513
JUSTIN
So, Julia, is there
206
00:10:14,513 --> 00:10:18,317
anything else you'd like to share
with our listeners about the 80-20 rule?
207
00:10:18,417 --> 00:10:20,453
JULIA
So maybe just a quick recap, right.
208
00:10:20,453 --> 00:10:23,022
The 80-20 rule is simple.
209
00:10:23,022 --> 00:10:26,158
It is flexible. It's effective. Right.
210
00:10:26,192 --> 00:10:27,660
It is something
that is truly going to work
211
00:10:27,660 --> 00:10:31,831
if you continue to maintain
that focus on doing it.
212
00:10:32,331 --> 00:10:36,602
And because it doesn't require you
to track that needs and wants spending,
213
00:10:36,902 --> 00:10:39,872
it's definitely going to work better
for somebody who doesn't have a focus
214
00:10:39,872 --> 00:10:41,240
paying off debt.
215
00:10:41,240 --> 00:10:44,076
JUSTIN
The listeners
that maybe are a little bit more local,
216
00:10:44,076 --> 00:10:46,379
and maybe even those
that are a little bit further away.
217
00:10:46,379 --> 00:10:49,281
Is there any way that they could
potentially reach out to you?
218
00:10:49,281 --> 00:10:53,552
Do you have any recommendations on
resources of getting them to connect it,
219
00:10:53,819 --> 00:10:56,822
to better understand the 80-20 rule here.
220
00:10:56,822 --> 00:10:58,290
JULIA
Yeah, absolutely.
221
00:10:58,290 --> 00:11:01,661
So, in retail banking,
I mean, that's the heart of what we do.
222
00:11:01,694 --> 00:11:04,697
We are here for advice and guidance,
223
00:11:04,764 --> 00:11:09,602
to customers and non-customers who maybe
want to consider being customers as well.
224
00:11:09,602 --> 00:11:12,638
You can reach us either by calling
225
00:11:12,972 --> 00:11:15,975
the customer care center
or hopping into a branch.
226
00:11:16,008 --> 00:11:20,479
Here up at 214 Maple,
which is where I, typically reside.
227
00:11:20,946 --> 00:11:25,484
You can reach us at our branch phone number
of (402) 602-8850.
228
00:11:25,851 --> 00:11:29,422
Or pop in and sit down
and chat with the banker because, like,
229
00:11:29,422 --> 00:11:31,557
I said, you know,
this is what we're passionate about
230
00:11:31,557 --> 00:11:34,593
is providing our financial education
to our customers.
231
00:11:35,327 --> 00:11:38,330
We especially, you know,
when I started working at the bank,
232
00:11:38,497 --> 00:11:40,232
I didn't have any financial knowledge.
233
00:11:40,232 --> 00:11:43,235
It's not something that my parents
had to provide to me.
234
00:11:43,502 --> 00:11:45,771
And a lot of people are in that situation.
235
00:11:45,771 --> 00:11:48,808
And just because you didn't grow up with
it doesn't mean that you can't
236
00:11:48,808 --> 00:11:52,411
arm yourself with those tools
to have a successful financial future.
237
00:11:52,578 --> 00:11:54,146
So come see us.
238
00:11:54,146 --> 00:11:54,847
Call us.
239
00:11:54,847 --> 00:11:57,717
Email us. However,
it is comfortable to get ahold of us.
240
00:11:57,717 --> 00:11:59,785
We want to talk to you.
We want to see you.
241
00:11:59,785 --> 00:12:01,053
JUSTIN
Perfect, and we'll make sure we get
242
00:12:01,053 --> 00:12:04,090
those resources, links, contact
information in the show notes.
243
00:12:04,090 --> 00:12:06,926
Again, Julia,
thank you so much for joining the podcast.
244
00:12:06,926 --> 00:12:09,228
JULIA
Yeah! Thanks for having me
Justin! You have a wonderful one.
245
00:12:09,228 --> 00:12:12,898
JUSTIN
For more resources,
check out FNBO.com or subscribe
246
00:12:12,898 --> 00:12:15,901
to us on YouTube
or on your favorite podcast platform.
247
00:12:16,135 --> 00:12:20,139
Consider giving us a rating or review
as they help us get the word out.
248
00:12:20,139 --> 00:12:23,809
And remember, our discussions are designed
to inform and inspire.
249
00:12:24,009 --> 00:12:27,179
For personalized advice,
we always recommend consulting
250
00:12:27,179 --> 00:12:28,547
a financial professional.
251
00:12:28,547 --> 00:12:32,051
Until next time, keep on making smart
financial choices.
252
00:12:32,051 --> 00:12:35,054
And thanks for listening to the Cashology
podcast.
253
00:12:35,387 --> 00:12:40,059
Member FDIC Equal Housing Lender. Podcasts
are for informational purposes only
254
00:12:40,059 --> 00:12:43,162
and not intended to provide
specific advice or recommendations.
255
00:12:43,395 --> 00:12:44,363
When making decisions
256
00:12:44,363 --> 00:12:47,867
about your financial situation, consult
a financial professional for advice.
257
00:12:48,167 --> 00:12:52,238
Podcasts are not regularly updated
and information may become outdated.
258
00:12:52,505 --> 00:12:56,275
Deposit products are offered by First
National Bank of Omaha, member FDIC.
259
00:12:56,575 --> 00:13:01,313
Investment products are not FDIC insured,
not a deposit or other obligation of the bank.
260
00:13:01,313 --> 00:13:03,449
Not insured by any federal government
agency.
261
00:13:03,449 --> 00:13:05,918
Not guaranteed by the bank, may lose value.
262
00:13:05,918 --> 00:13:08,954
The Cashology Podcast
copyright First National Bank of Omaha.