Success Without a Degree: How Terry Klonecki Became a Bank VP & Business Owner — Brews & Cruise Podcast

What if you didn’t graduate high school… and still became a bank Vice President and successful business owner?

In this episode of the Brews & Cruise Podcast, Chris Jacobson sits down with Terri Klonecki to break down her unconventional path to success. As the 15th child in her family, Terri learned early how to be independent—and that mindset carried her from opening a hair salon at 21 to climbing the ranks in banking and eventually becoming a Vice President at Pigeon Falls State Bank.

Today, she owns Formgraphics, a manufacturing company in Winona, Minnesota, where she quickly scaled the business to record success within just two years.

This conversation dives into entrepreneurship, leadership, small business growth, and success without a college degree, while highlighting the power of hard work, organization, and giving back to your community.

If you’ve ever questioned your path or felt like you’re behind—this episode will change the way you think about success.

🔥 In This Episode:

Success without a college degree
From no diploma to bank Vice President
Starting a business at 21 years old
Growing and scaling a manufacturing company
Leadership and community involvement
The mindset needed to succeed in business and life

🎙️ About Brews & Cruise Podcast:

The Brews & Cruise Podcast features real conversations with entrepreneurs, business owners, and interesting people sharing their stories, lessons, and journeys. Hosted by Chris Jacobson in Winona, Minnesota.

📍 Connect with Terry Klonecki:

👉 Learn more about Formgraphics: https://www.formgraphicsinc.com

👉 Support local business in Winona, Minnesota

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