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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

15:10

You Already Know Enough (So Why Aren't You Wealthy?)...

Without the Bank Podcast ·

2026/01/15

Are you collecting financial knowledge... or actually using it? In this episode of Without The Bank, we break down two of the most dangerous (and overlooked) chapters from Becoming Your Own Banker: Arrival Syndrome and Use It or Lose It. These ideas explain why so many people stall out financially—even after reading the right books, watching the right videos, and "knowing" the Infinite Banking Concept. The problem isn't lack of information. The problem is believing you've already arrived. When

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17:07

Your Kids' $1,000 Account Has a Catch | Here's Why...

Without the Bank Podcast ·

2026/01/08

Is the government really giving kids $1,000… or is there a bigger catch? In this solo episode of Without the Bank (WTB), Mary Jo breaks down the Invest America Act (sometimes called the "Trump Account") and explains why she believes it raises serious red flags, from misleading claims by politicians to hidden tax consequences and stock market manipulation. 👉 Follow Mary Jo Here: https://www.youtube.com/@MaryJoIrmen?sub_confirmation=1 👉 Get the book: https://www.withoutthebank.com/book/?... After

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26:55

Your Biggest Business Problem Isn't What You Think...

Without the Bank Podcast ·

2026/01/01

Most people think money problems are about income. They're wrong. It's about mindset, discipline, and who controls the capital. In this episode, we break down The Golden Rule: Those who have the gold make the rules — and why that changes everything. 👉 Follow Mary Jo Here: https://www.youtube.com/@MaryJoIrmen?sub_confirmation=1 👉 Get the book: https://www.withoutthebank.com/book/?... In Episode 250 of Without The Bank (WTB), we dive deep into the mindset behind wealth, capitalism, and control of

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28:20

The Financial Independence Trap Nobody Warns You...

Without the Bank Podcast ·

2025/12/25

What if your 401(k) isn't really your money? In this episode, we break down Willie Sutton's Law and expose how government-controlled retirement plans quietly limit your freedom, liquidity, and control over your wealth. Follow Mary Jo Here: https://www.youtube.com/@MaryJoIrmen?sub_confirmation=1 Get the book: https://www.farmingwithoutthebank.com/book/?utm_source=youtube&utm_medium=organic&utm_campaign=wtb-ep249&utm_term=desc-top In WTB Episode 249, we continue our Becoming Your Own Banker

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20:24

Success Doesn't Look Like You Think (Ep. 248)

Without the Bank Podcast ·

2025/12/18

Most people don't have a money problem… they have a Parkinson's Law problem. Your expenses quietly rise, your "extra" money disappears, and the timeline for big goals keeps stretching—until one day you realize you're working harder but staying in the same place. 👉 Follow Mary Jo Here: https://www.youtube.com/channel/UCXYvzroUouEMsTGKFw5nJHQ 👉 Get the book: https://www.withoutthebank.com/book/ In this episode, we break down the 3 parts of Parkinson's Law and how to beat it daily—so you can

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40:30

Whole Life vs. UL/IUL: Why Guarantees Win (Ep. 247)

Without the Bank Podcast ·

2025/12/11

You're financing everything you buy… even when you pay cash. 🤯 In this episode, we break down how to create your own banking system using dividend-paying whole life insurance, and why ignoring this might be costing you a fortune in lost interest. 👉 Follow Mary Jo Here: https://www.youtube.com/channel/UCXYvzroUouEMsTGKFw5nJHQ 👉 Get the book: https://www.withoutthebank.com/book/ MJ and Tarisa walk through a key chapter from Nelson Nash's Becoming Your Own Banker and unpack what it really means

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11:44

Why You Don't Need $20 Million to Start Your Own Bank...

Without the Bank Podcast ·

2025/12/04

Most people assume you need $20 million, a bank charter, a building, employees, and 10 years before a bank ever makes a profit. But Nelson Nash reveals a far simpler way to create your own banking system, one that's been quietly working for over 200 years. 👉 Follow Mary Jo Here: https://www.youtube.com/channel/UCXYvzroUouEMsTGKFw5nJHQ 👉 Get the book: https://www.withoutthebank.com/book/ In this episode, we break down how traditional banking REALLY works, why starting a bank is nearly

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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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98 results

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