Farming Without the Bank Podcast
Welcome to the Farming Without the Bank podcast, the show with a no-B.S. approach to money, hosted by a farm strategy expert and authorized IBC practitioner. Join us as we get real and expose the flaws of traditional financial institutions in order to help farmers take control of their finances, create peace of mind, grow their wealth, and leave a legacy. https://www.farmingwithoutthebank.com/
Episodes
Everyone says farming and ranching are hard—but what if the real problem isn't expenses… it's how money is being used?
In this episode, Mary Jo tackles the backlash around "excess money," breaks down why being debt-free isn't the same as being financially secure, and explains why cash flow—not comfort—is the real solution.
👉 Follow Mary Jo Here: https://www.youtube.com/@MaryJoIrmen?sub_confirmation=1
👉 Get the book: https://www...
Most farmers still buy equipment the old way—cash or bank loans—losing years of compound growth. What if the problem isn't your policy… It's when the money runs through it?
👉 Follow Mary Jo Here: https://www.youtube.com/@MaryJoIrmen?sub_confirmation=1
👉 Get the book: https://www.farmingwithoutthebank.com...
In this episode, Mary Jo breaks down the "before asset" idea: running money through your whole life policy before you buy ...
Most people believe they're doing the right thing by maxing out their 401(k) or IRA.
But what if the entire system is designed to trap you later with higher taxes, forced withdrawals, and lost control?
Follow Mary Jo Here: https://www.youtube.com/@
Be open-minded, ditch the negativity, and yes, you can buy that small-town business and make it work. In this episode, Mary Jo sits down with client and Iowa rancher/feed-store owner Erica Lantz, who walked away from a 14-year corporate food job to buy a 60-year-old feed store in a town of 1,000 people… during COVID.
👉 Follow Mary Jo Here: https://www.youtube.com/channel/UCXYvzroUouEMsTGKFw5nJHQ
👉 Get the book: https://www.farmin...
Is your 401(k) really a "benefit"… or did you just get dropped into the government's boiling pot without noticing?
👉 Follow Mary Jo Here: https://www.youtube.com/channel/UCXYvzroUouEMsTGKFw5nJHQ
👉 Get the book: https://www.farmingwithoutthebank.com/book
In this episode, Mary Jo continues breaking down Nelson's book Building Your Warehouse of Wealth (Chapter 4) and why he called tax-qualified retirement plans a scam, how govern...
Controlling the Banking Function in Your Life to Change Your Finacial Future!
You might be saving 10% of your income… but quietly sending 34.5% of every disposable dollar to banks in interest. In this episode, Mary Jo breaks down Chapter 3 of Building Your Warehouse of Wealth and shows why how money flows is more important than the rate of return you're chasing.
👉 Follow Mary Jo Here: https://www.youtube.com/channel/UCXYvzroUouEMs...
Banks classify your life insurance as an asset, so why do so many people treat it like an expense?
In this episode, we break down how dividend-paying whole life can be your warehouse of wealth without feeding inflation like the banking system does.
👉 Follow Mary Jo Here: https://www.youtube.com/channel/UCXYvzroUouEMsTGKFw5nJHQ
👉 Get the book: https://www.farmingwithoutthebank.com/book
Chapter 1 of Building Your Warehouse of W...
Are you waiting on an inheritance, a government program, or the bank to finally let you farm "for real"? In this episode, Mary Jo shows how that thinking is exactly what's holding you back, and how Nelson Nash warned us about it years ago.
👉 Follow Mary Jo Here: https://www.youtube.com/channel/UCXYvzroUouEMsTGKFw5nJHQ
👉 Get the book: https://www.farmingwithoutthebank.com/book
In Episode 329, Mary Jo dives into Nelson Nash's se...
Most people think policy loans mean "borrowing your own money." That's completely wrong, and it's costing them big. In this episode, Mary Jo breaks down exactly how policy loans work inside Infinite Banking and why understanding the difference can change how you build wealth.
👉 Follow Mary Jo Here: https://www.youtube.com/channel/UCXYvzroUouEMsTGKFw5nJHQ
👉 Get the book: https://www.farmingwithoutthebank.com/book
In this deep d...
Kyle Busch just sued Pacific Life Insurance for $8.58 million, claiming he was misled by an Indexed Universal Life (IUL) policy. But what if this high-profile case proves everything Infinite Banking practitioners have warned about for years?
👉 Follow Mary Jo Here: https://www.youtube.com/channel/UCXYvzroUouEMsTGKFw5nJHQ
👉 Get the book: https://www.farmingwithoutthebank.com/book
In this episode of Without the Bank, Mary Jo brea...
Bitcoin fans say it's the future. I say: show me how it actually solves real-world money problems. In this episode, I walk through the biggest unanswered questions I still have about Bitcoin: volatility, inheritance keys, "who's in charge," government visibility, and why I still prefer AND assets like dividend-paying whole life over OR assets like BTC.
👉 Follow Mary Jo Here: https://www.youtube.com/channel/UCXYvzroUouEMsTGKFw5nJHQ...
Why do so many people say, "Whole life insurance never works"? Let's unpack that.
In this episode, Mary Jo takes on online critics who claim infinite banking doesn't work and reveals why most people making these comments haven't even done their homework.
👉 Follow Mary Jo Here: https://www.youtube.com/channel/UCXYvzroUouEMsTGKFw5nJHQ
👉 Get the book: https://www.farmingwithoutthebank.com/book/
Mary Jo shares personal stories, le...
When Dave Ramsey told a 20-year-old rancher he made a "huge mistake" buying $100,000 in cattle, we had some thoughts. Spoiler: Dave doesn't understand agriculture, leverage, or infinite banking.
👉 Follow Mary Jo Here: https://www.youtube.com/channel/UCXYvzroUouEMsTGKFw5nJHQ
👉 Get the book: https://www.farmingwithoutthebank.com/book/
In this fiery episode #324 of Farming Without the Bank, Mary Jo Irmen and John dive deep into a...
Banks are already tightening up on ag lending, and that's your red alarm. This creates instability as banks pull out of lending due to perceived high risk.
Cattle checks look big with the current cattle prices, so why are so many farmers and ranchers still getting squeezed by the bank with farm loans?
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💡 Why would anyone need more than one life insurance policy? Having multiple life insurance policies can provide more premiums, earning compound interest and dividends, which in turn lead to greater death benefits.
Are life settlements truly helping seniors, or are they simply enriching companies? In this episode of Farming Without the Bank, Mary Jo exposes the hidden dangers of selling your life insurance policy and why borrowing against your whole life policy is often the smarter move.
👉 Follow Mary Jo Here: https://www.youtube.com/@MaryJoIrmen?sub_confirmation=1
👉 Get the book:
https://www.farmingwithoutthebank.com/book/
Many elderly po...
Are you paying tens of thousands for "help" that just sends you back to the bank—without cash flow, without clarity, and without confidence? Mary Jo gets loud (for good reason) to protect the underdog in agriculture.
Too many farmers and ranchers limit their success by staying stuck in their own bubble—relying only on local advice, neighbor gossip, and the county coffee shop crew.
👉 Follow Mary Jo Here:
https://www.youtube.com/@MaryJoIrmen?sub_confirmation=1
👉 Get the book:
https://www.farmingwithoutthebank.com/book
In this episode, Mary Jo explains why getting out of your county (and your own way) is critical to building a stronger busines...
Are goals and mission statements really helping you succeed—or are they holding you back? Here's why ACTION beats goals every single time.
In this episode, Mary Jo Irmen shares a real client story of how leveraging resources and strategic thinking can maximize returns in farming and ranching.
👉 Follow Mary Jo Here: https://www.youtube.com/@MaryJoIrmen?sub_confirmation=1
👉 Get the book:
https://www.farmingwithoutthebank.com/book
...
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