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PODCAST

Without the Bank Podcast

The archaic system of giving up money today, taking on risk, and hoping to retire is B.S. This podcast seeks to help make you responsible for your money and your future. You are the one who cares more about it than anyone else. I am here to help you and provide the honesty you need. No sugar coating. No false claims. Just straight up truth.

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All Episodes

19:59

Stop Chasing APR—What Really Drains Your Wealth (Ep....

Without the Bank Podcast ·

2025/11/27

Think you control your money because you have a 401(k), IRA, or a checking account? In this episode, we unpack the real problem in Becoming Your Own Banker: chasing rates on tiny savings while 34.5% of every disposable dollar quietly goes to interest. 👉 Follow Mary Jo Here: https://www.youtube.com/channel/UCXYvzroUouEMsTGKFw5nJHQ 👉 Get the book: https://www.withoutthebank.com/book/ We break down Nelson Nash's "Problem" chapter: why focusing on the rate of return on a small savings slice misses

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20:00

Why Your Policy Fails: The Grocery Store Money Lesson...

Without the Bank Podcast ·

2025/11/20

Most infinite banking policies don't fail because of the insurance company… they fail because of human behavior. Are you quietly stealing the peas from your own grocery store? 👉 Follow Mary Jo Here: https://www.youtube.com/channel/UCXYvzroUouEMsTGKFw5nJHQ 👉 Get the book: https://www.withoutthebank.com/book/ In this episode, we continue through Nelson Nash's Becoming Your Own Banker and dive into the Imagination chapter and the famous grocery store analogy. We break down why imagination matters

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16:47

How One Family Lost $1.2M to College Tuition (Ep. 243)

Without the Bank Podcast ·

2025/11/13

Are you still paying cash for big expenses like college tuition, remodels, or vehicles? You might be losing hundreds of thousands — even millions — without realizing it. Learn how to use the Infinite Banking Concept to make your money work for you every time you spend it. 👉 Follow Mary Jo Here: https://www.youtube.com/channel/UCXYvzroUouEMsTGKFw5nJHQ 👉 Get the book: https://www.withoutthebank.com/book/ In this episode, Mary Jo shares a real-life client story that reveals how even high-income

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19:07

Kyle Busch Lost $8.5M... But It's Not What You Think...

Without the Bank Podcast ·

2025/11/06

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.withoutthebank.com/book/ In this episode of Without the Bank, Mary Jo breaks down the Kyle Busch life insurance lawsuit, exposing how IULs are often

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20:32

Hard Times Built Infinite Banking — Here's the Lesson...

Without the Bank Podcast ·

2025/10/30

Starting an IBC policy when everything feels worst? That's exactly how Nelson Nash discovered Infinite Banking, when bank rates hit 23% and leverage turned on him. Here's what he did, why it worked, and how to avoid the same traps. 👉 Follow Mary Jo Here: https://www.youtube.com/channel/UCXYvzroUouEMsTGKFw5nJHQ 👉 Get the book: https://www.withoutthebank.com/book/ We continue our study of Becoming Your Own Banker and unpack how the Infinite Banking Concept started. Using Nelson's forestry

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24:51

Are You Saving Money the Wrong Way? (Ep. 240)

Without the Bank Podcast ·

2025/10/23

Feel “broke” even though you’ve got money in savings and retirement? You might be trapped by compartmentalized thinking, paying 25–30% on credit cards while your “retirement money” sits idle. In this episode, we show you how to see your finances as one pool of money, become your own banker, and pay yourself back, without making money more complicated. 👉 Follow Mary Jo Here: https://www.youtube.com/channel/UCXYvzroUouEMsTGKFw5nJHQ 👉 Get the book: https://www.farmingwithoutthebank.com/book/ We

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25:18

The Secret to Using the Same Dollar Twice (Legally)...

Without the Bank Podcast ·

2025/10/16

What if you could use the same dollar twice, to buy your dream car today and still have it grow for your retirement tomorrow? In this episode, we uncover the 7 Points to Consider from Nelson Nash’s legendary book Becoming Your Own Banker and why understanding where your money lives could change your financial future forever. 👉 Follow Mary Jo Here: https://www.youtube.com/channel/UCXYvzroUouEMsTGKFw5nJHQ 👉 Get the book: https://www.farmingwithoutthebank.com/book/ In this episode #239 of the

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41:46

Ep. 238 - How the Wealthy Make Their Money Work Twice...

Without the Bank Podcast ·

2025/10/09

Most people obsess over “rate of return”, but they miss the banking process that controls every dollar in their life and how to leverage that same dollar to make more. In this episode, we unpack the Introduction & Points to Consider from Nelson Nash’s Becoming Your Own Banker and show how dividend-paying whole life can be an AND asset: fund your policy and still deploy capital into investments. Mary Jo and Tarisa break down why Infinite Banking (IBC) is education, not a sales tool, why your need

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34:49

Ep. 237 - Lessons Learned in the IBC Journey

Without the Bank Podcast ·

2025/09/26

Mary Jo reflects on the lessons learned from her own Infinite Banking journey—what she would do differently, what she wouldn’t change, and the importance of the right mentor. From avoiding early missteps to going “all in” with learning, she shares insights that can save listeners time, money, and frustration as they start their own IBC path. Audio Production by Podsworth Media - https://podsworth.com

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22:43

Ep. 236 - Compound vs. Uninterrupted, the Sequel

Without the Bank Podcast ·

2025/09/19

Mary Jo and Tarissa challenge common financial advice about compounding interest. A billionaire may have praised the "power of compounding," but Mary Jo explains what he left out: interruptions. Using relatable examples from bodybuilding, business, and everyday life, she shows why uninterrupted compounding is what truly builds lasting financial security. Audio Production by Podsworth Media - https://podsworth.com

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18:19

Ep. 235 - Big Check or Little Check?

Without the Bank Podcast ·

2025/09/12

In this episode, Mary Jo delves into the cost-efficiency of life insurance, explaining why it's more beneficial to write smaller premium checks in exchange for larger death benefits. She highlights the reliability of life insurance companies paying out claims with historical examples, and also touches on the comparative weakness of term-life compared to whole-life insurance policies. Audio Production by Podsworth Media - https://podsworth.com

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19:15

Ep. 234 - More Than a Policy: Creating Cash Flow When...

Without the Bank Podcast ·

2025/09/05

Not everyone is ready to start a policy today—and that's okay. In this episode, Mary Jo shares a real story of working with a firefighter/EMT who felt stuck financially. Instead of selling him something he couldn't afford, she helped him map out practical, creative ways to generate cash flow—from teaching first aid to selling emergency kits. This is what working with Without the Bank actually looks like: no pressure, just real strategy. If you've ever felt stuck or unsure how to start, this episode

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33:05

Ep. 233 - Savings is Not Making You Money

Without the Bank Podcast ·

2025/08/29

In this episode, Mary Jo and Tarisa dive into the importance of using money to create cash flow, and not merely saving it. They discuss Nelson's journey of overcoming significant debt and beating Parkinson's law, the importance of shifting from a scarcity mindset to an abundance mindset, and the various ways to use your policy for financial growth. They also share some fun stories! Audio Production by Podsworth Media - https://podsworth.com

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01:05:30

Ep. 232 - The Truth About Becoming an Agent

Without the Bank Podcast ·

2025/08/22

In this episode, Mary Jo and Tarisa dive into the realities of being a life insurance agent, addressing the industry's complexities and the challenges that new agents face. They discuss the importance of understanding the power dynamics with General Agents (GAs), the potential pitfalls of joining the wrong agency, and how crucial it is to align with a supportive GA. Through personal anecdotes and expert advice, they cover what new agents can expect, the industry's 'smoke and mirrors', and the

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21:37

Ep. 231 - Concept Over Numbers

Without the Bank Podcast ·

2025/08/15

In this episode, Mary Jo and Tarisa tackle a common question about financial strategies: whether to 'buy term and invest the difference' - or to choose a dividend paying whole life policy, and to implement the Infinite Banking Concept. Join in as they have a detailed discussion on the drawbacks of term insurance and the benefits of whole life, especially when considering long-term liquidity, control, and guarantees. They highlight the holistic approach needed to manage finances effectively involving

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17:27

Ep. 230 - Avoiding Taxes

Without the Bank Podcast ·

2025/08/08

Some of the worst advice we ever get is to avoid taxes. In this episode, I run through some numbers of why it truly does not make sense to buy things to avoid taxes; we just transfer money to the bank instead of keeping it, or we give up liquid cash. (Updated version of Ep. 37; originally published November 19, 2021.) Audio Production by Podsworth Media - https://podsworth.com

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15:11

Ep. 229 - Don't Be a Shitty Bank Owner

Without the Bank Podcast ·

2025/08/01

In this episode, Mary Jo discusses common issues faced by clients, such as unnecessarily canceling policies or being misled by other agents into switching policies. She stresses the necessity for continuing education regarding how to use your policies so that you can be a good banker. Audio Production by Podsworth Media - https://podsworth.com

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19:50

Ep. 228 - Proof Universal Life Lapses

Without the Bank Podcast ·

2025/07/25

In this episode, Mary Jo we delves into the complexities and risks associated with universal life insurance policies, using a real-life client scenario to illustrate the issues. This example serves as a cautionary tale about the true cost of these policies, especially for older policyholders, and offers guidance on making informed decisions to potentially avoid substantial losses. Audio Production by Podsworth Media - https://podsworth.com

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18:47

Ep. 227 - Cash Flow vs. Net Worth

Without the Bank Podcast ·

2025/07/18

Mary Jo explains why chasing net worth won't move you forward and why cash flow is what truly matters. She shows how using your money with purpose can open the door to real freedom and momentum. Audio Production by Podsworth Media - https://podsworth.com

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22:03

Ep. 226 - Scarcity Thinking is Killing Your Wealth

Without the Bank Podcast ·

2025/07/11

Scarcity thinking might feel safe, but it's quietly sabotaging your financial future. In this episode, Mary Jo unpacks how emotional baggage, financial PTSD, and debt-free obsession can block real wealth-building and keep you stuck playing small. Audio Production by Podsworth Media - https://podsworth.com

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91 results

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