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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.

business investing

All Episodes

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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14:50

Ep. 225 - The High Cost of Doing it All Yourself

Without the Bank Podcast ·

2025/07/04

In today's episode, Mary Jo calls out the chaos in blue-collar businesses and makes a clear case for hiring help. If you're in the trades and tired of missed calls, poor communication, and 70-hour work weeks, this one's for you. Audio Production by Podsworth Media - https://podsworth.com

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15:35

Ep. 224 - Prepare for Partnerships to Die

Without the Bank Podcast ·

2025/06/27

What happens if your partner or key employee dies? Mary Jo shares why buy-sell and key man policies are a must to protect your business. Audio Production by Podsworth Media - https://podsworth.com

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52:31

Ep. 223 - Codie Sanchez Meets Infinite Banking

Without the Bank Podcast ·

2025/06/19

Mary Jo and Tarisa discuss Codie Sanchez's business-buying strategy and how infinite banking can take it even further. Discover why funding through your own system changes the game. Audio Production by Podsworth Media - https://podsworth.com

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45:23

Ep. 222 - The IUL Illusion

Without the Bank Podcast ·

2025/06/13

In this episode, Mary Jo and Tarisa expose why IULs fall short for infinite banking and highlight the value of transparency, guarantees, and real long-term control. Audio Production by Podsworth Media - https://podsworth.com

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28:46

Ep. 221 - Don't Bank on Bad Habits

Without the Bank Podcast ·

2025/06/06

Today, Mary Jo and Tarisa dive deep into a question many face: Should you start an infinite banking policy while in debt? They unpack real-life examples, human behavior patterns, and financial discipline to help listeners make smarter, more sustainable money decisions. Audio Production by Podsworth Media - https://podsworth.com

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29:31

Ep. 220 - The "Cheap" Life Insurance That Could Leave...

Without the Bank Podcast ·

2025/05/29

MJ and Tarisa continue the conversation and dive deep into the truths and misconceptions about Universal Life (UL) insurance policies, comparing them to Whole Life and exploring why guarantees matter. They break down industry noise, market risks, and why understanding your policy could mean the difference between lasting coverage and financial disappointment. Audio Production by Podsworth Media - https://podsworth.com

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32:47

Ep. 219 - 3 Things That Truly Matter When Buying a...

Without the Bank Podcast ·

2025/05/23

In this episode, MJ and Tarisa break down what really matters when it comes to life insurance: proper policy structure, guarantees, and working with the right agent. They dive into the dangers of chasing rates of return and why illustrations often tell only part of the story. Audio Production by Podsworth Media - https://podsworth.com

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14:53

Ep. 218 - Roth or Whole Life? The Better Tool for IBC

Without the Bank Podcast ·

2025/05/15

Curious about how a Roth IRA stacks up against a whole life insurance policy for Infinite Banking? In this episode, we break down the key differences, from control and liquidity to tax treatment and long-term benefits, helping you decide which option fits your financial goals. Audio Production by Podsworth Media - https://podsworth.com

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83 results

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