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PODCAST

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/

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All Episodes

22:24

Why Life Insurance Might Be Your Secret Asset! (Ep. 330)

Farming Without the Bank Podcast ·

2025/11/28

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 Wealth (Nelson Nash) hits hard: government programs, fractional

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21:56

Stop Waiting for Inheritance; Start Farming Now (Ep....

Farming Without the Bank Podcast ·

2025/11/21

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 second book, "Building Your Warehouse of Wealth," and unpacks why how

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18:08

The Truth About Policy Loans, Dividends, & Inflation...

Farming Without the Bank Podcast ·

2025/11/14

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 dive, Mary Jo explains why you're borrowing the life insurance

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19:37

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

Farming Without the Bank Podcast ·

2025/11/07

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 breaks down the Kyle Busch life insurance lawsuit, exposing how IULs are

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22:29

Ep. 326 - Bitcoin vs. Infinite Banking: Why I Still...

Farming Without the Bank Podcast ·

2025/10/31

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 👉 Get the book: https://www.farmingwithoutthebank.com/book

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22:19

The Truth About Infinite Banking: What Haters Get...

Farming Without the Bank Podcast ·

2025/10/24

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, lessons from Nelson Nash, and her own journey from being labeled

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33:53

$100K in Cattle at 20: The Move Dave Ramsey Hated...

Farming Without the Bank Podcast ·

2025/10/17

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 recent Dave Ramsey clip that went viral — a 20-year-old caller buys

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20:33

Banks Are Quietly Changing the Rules — Are You Ready?...

Farming Without the Bank Podcast ·

2025/10/10

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. Understanding sound farm management and agricultural finance is now more important than ever to mitigate risk management. Let's navigate the ag lending landscape together. Mary Jo breaks down when (and if) you should use the minimum premium option on policies with Paid-Up Additions (PUA) and why, in most cases, paying the full premium and then

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18:33

Ep. 322 - Why Liquidity Beats Paying Off Debt

Farming Without the Bank Podcast ·

2025/10/03

In this episode, Mary Jo dives into one of the biggest mistakes she sees farmers and ranchers making—rushing to pay off debt at the expense of cash flow. She explains why keeping money liquid provides flexibility, freedom from the bank’s control, and better long-term planning. Through real client stories, she shows how choosing liquidity over debt payoff can mean the difference between staying in business and being forced back to the bank. From operating notes to side-by-sides to land loans, Mary Jo

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18:03

Ep. 321 - Why You Need More Than One Policy

Farming Without the Bank Podcast ·

2025/09/26

In this episode, Mary Jo breaks down why multiple policies aren’t just a nice-to-have—they’re necessary if you want to grow real wealth, keep taxes off your back, and take back control from the banking system. From MEC limits to managing premiums, she lays out the blunt truth about when and how to start extra policies, what pitfalls to avoid, and why building your own banking system looks a lot like how the banks operate—with more branches, more deposits, and more control. Audio Production by

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12:17

Ep. 320 - Life Settlements

Farming Without the Bank Podcast ·

2025/09/19

In this episode, Mary Jo tackles the hidden dangers of life settlements and why they often hurt elderly policyholders more than help them. She explains how companies profit by preying on the uninformed—while simple solutions like borrowing against a whole life policy are overlooked. Mary Jo calls on listeners to share this knowledge with parents, grandparents, and neighbors to protect them from costly mistakes. Audio Production by Podsworth Media - https://podsworth.com

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23:36

Ep. 319 - Passion for the Underdog

Farming Without the Bank Podcast ·

2025/09/12

In this passionate episode, Mary Jo delves into the ethical issues within the agricultural finance industry, sharing her frustrations with financial consultants who exploit struggling farmers by charging exorbitant fees. She contrasts her own approach, which prioritizes genuine aid and financial education over profit. Mary Jo discusses her deep-rooted drive to protect and empower vulnerable people in the agricultural industry, and her commitment to providing high-quality support to all clients

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16:48

Ep. 318 - Get Out of Your County (and Your Own Way)

Farming Without the Bank Podcast ·

2025/09/05

If you're still judging what works based on what your neighbor did (or didn't do), this episode is for you. Mary Jo calls out the small-town mindset that keeps farmers stuck—from refusing to leave the county, to writing off ideas without understanding them. She dives into why it's dangerous to assume something "doesn't work" when you've never asked the right questions, never left your operation, and never learned what others across the country are doing differently. Whether it's grazing practices,

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24:23

Ep. 317 - Goals and Mission Statements Are a Waste of...

Farming Without the Bank Podcast ·

2025/08/29

In this episode, Mary Jo shares her candid thoughts on the inefficiency of writing out goals and drafting mission statements, advocating instead for actionable steps and a positive mindset to achieve business success. Through a detailed client case study, she discusses leveraging resources and strategic thinking to maximize returns in farming and ranching. Mary Jo challenges conventional wisdom and encourages listeners to focus on solutions rather than getting bogged down by goals and mission

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26:40

Ep. 316 - Reimagining Agricultural Finance

Farming Without the Bank Podcast ·

2025/08/22

In this episode, Mary Jo explores the significant impacts of bank control on farming operations and presents the Infinite Banking Concept as a solution. By controlling their own finances, farmers could make strategic decisions without bank-imposed selling deadlines, increasing profits and reducing stress. The discussion also touches upon the broader implications of financial control, such as influencing market prices, promoting generational wealth, and even addressing serious issues like farmer

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52:17

Ep. 315 - The True Value of Money

Farming Without the Bank Podcast ·

2025/08/15

In this episode, Mary Jo and John continue their study through Nelson Nash's Becoming Your Own Banker book. They address common misconceptions about money, interest, and banking systems, emphasizing the importance of viewing money as valuable and leveraging whole life insurance to become your own banker. The discussion includes the biblical basis for earning interest, the mechanics of banking, and the critical aspects of creating a personal banking system. Audio Production by Podsworth Media -

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01:10:40

Ep. 314 - What Impacts Your Operation the Most, with...

Farming Without the Bank Podcast ·

2025/08/08

Are you a farmer worried about losing your family farm to banks, bad estate planning, or expensive buyouts? Mary Jo Irmen joins Tracy Brunet on the Impact Farming Show to reveal how Infinite Banking for farmers can protect your farm, simplify farm succession planning, and keep your operation in the family for generations. In addition to providing an overview of the Infinite Banking Concept, they discuss specifically how it is instrumental in making transition planning work, how it helps in "fair and

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20:31

Ep. 313 - Avoiding the Bank Doesn't Mean Debt-Free or...

Farming Without the Bank Podcast ·

2025/08/01

In this episode, Mary Jo addresses common misconceptions about using cash versus borrowing against the policy, emphasizing the power of uninterrupted compound interest, the benefits of using whole life dividend-paying policies, and the misunderstandings surrounding interest payments to the company. Audio Production by Podsworth Media - https://podsworth.com

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20:43

Ep. 312 - Seed or Harvest?

Farming Without the Bank Podcast ·

2025/07/25

In this episode, Mary Jo discusses 'seed versus harvest' in the context of taxes and financial planning. Learn why it's often more beneficial to pay taxes on the 'seed' instead of the 'harvest,' especially when it comes to Infinite Banking versus IRAs, and 401(k)s. Audio Production by Podsworth Media - https://podsworth.com

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36:31

Ep. 311 - Farm Progress: Nebraska Farmer Got it WRONG

Farming Without the Bank Podcast ·

2025/07/18

Mary Jo responds line by line to a Nebraska Farmer article that misrepresents Infinite Banking. She exposes the misinformation, clarifies key concepts, and explains why getting it wrong hurts the very people it's meant to help. Audio Production by Podsworth Media - https://podsworth.com

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275 results

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