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.
10
Build Your Banking System Before You Buy Your Next Vehicle (Ep. 256)
<p>If you're going to own a fleet of vehicles, why wouldn't you finance them through your own banking system instead of the bank's?</p> <p>In this episode of Without the Bank, we break down one of the most misunderstood—and powerful—chapters in Nelson Nash's Becoming Your Own Banker: equipment financing.</p> <p>WTB Episode 256 walks through how capitalizing a properly designed life insurance system allows business owners to finance trucks, equipment, and big-ticket items while building equity in the right place—their own banking system.</p> <p>This episode clears up common confusion around "extra interest," explains why pr...
Insurance Companies Are Denying More Claims Than Ever—Here's Why (Ep. 255)
<p>Insurance premiums keep rising—but claims are getting denied. So the big question is: does self-insuring actually make sense, or is it a risky move most people misunderstand?</p> <p>In WTB Episode 255, we dive into one of the most controversial chapters of Becoming Your Own Banker: expanding the system and self-insuring. We unpack Nelson Nash's ideas around premiums matching income, infinite banking, and when (or if) it makes sense to self-insure things like automobiles and homes.</p> <p>This episode also tackles the real-world problems people are facing today—denied insurance claims, skyrocketing repair costs, inflation, and misunderstood cove...
Dividends vs. Interest: The Retirement Income Game Changer (Ep. 254)
<p>What if two people saved the exact same amount of money... but one retired with nearly $900,000 more than the other? The difference wasn't discipline — it was where the money lived.</p> <p>In this episode of Without the Bank, we break down one of the most powerful chapters from Becoming Your Own Banker: The Twin Sister Example. Using Nelson Nash's comparison between CDs and Infinite Banking, we examine how capitalization, dividends, and ownership significantly impact long-term outcomes.</p> <p>We also tackle one of the most misunderstood — and ignored — components of Infinite Banking: the death benefit. Many people focus only o...
Your Retirement at 65 Was Built On a Flawed Assumption (Ep. 253)
<p>Most people are taught to buy term insurance and invest the rest—but what if that advice is based on a massive misunderstanding of how life insurance actually works?</p> <p>In this episode, we break down why dividend-paying whole life insurance is fundamentally misclassified, how insurance companies really make money, and why Nelson Nash believed banking, not investing, was the missing piece.</p> <p>In WTB Episode 253, we continue our deep dive into Becoming Your Own Banker by Nelson Nash, focusing on mortality tables, underwriting, modified endowment contracts (MECs), and why whole life insurance behaves more like a ba...
You Already Know Enough (So Why Aren't You Wealthy?) (Ep. 252)
<p>Are you collecting financial knowledge... or actually using it?</p> <p>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.</p> <p>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.</p> <p>The problem isn't lack of information.<br /> The problem is believing you've already arrived.</p> <p>When people stop applying what they learn, their policies stagnate, their ca...
Your Kids' $1,000 Account Has a Catch | Here's Why (Ep. 251)
<p>Is the government really giving kids $1,000… or is there a bigger catch?</p> <p>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.</p> <p>👉 Follow Mary Jo Here: https://www.youtube.com/@MaryJoIrmen?sub_confirmation=1 <br /> 👉 Get the book: https://www.withoutthebank.com/book/?...</p> <p>After reviewing the actual bill, running the numbers, and even putting it through AI, Mary Jo explains...
Your Biggest Business Problem Isn't What You Think (Ep. 250)
<p>Most people think money problems are about income.<br /> They're wrong. It's about mindset, discipline, and who controls the capital.</p> <p>In this episode, we break down The Golden Rule:<br /> Those who have the gold make the rules — and why that changes everything.</p> <p>👉 Follow Mary Jo Here: https://www.youtube.com/@MaryJoIrmen?sub_confirmation=1<br /> 👉 Get the book: https://www.withoutthebank.com/book/?...</p> <p>In Episode 250 of Without The Bank (WTB), we dive deep into the mindset behind wealth, capitalism, and control of money. Drawing from Becoming Your Own Banker by Nelson Nash, we explore w...
The Financial Independence Trap Nobody Warns You About (Ep. 249)
<p>What if your 401(k) isn't really your money?</p> <p>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.</p> <p>Follow Mary Jo Here: https://www.youtube.com/@MaryJoIrmen?sub_confirmation=1</p> <p>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 chapter review, diving deep into Willie Sutton's Law: "Wherever wealth is accumulated, someone will try to steal it." This...
Success Doesn't Look Like You Think (Ep. 248)
<p>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.</p> <p>👉 Follow Mary Jo Here: https://www.youtube.com/channel/UCXYvzroUouEMsTGKFw5nJHQ <br /> 👉 Get the book: https://www.withoutthebank.com/book/ </p> <p>In this episode, we break down the 3 parts of Parkinson's Law and how to beat it daily—so you can redirect cash flow, build financial momentum, and stop losing every raise, payoff, or "found mone...
Whole Life vs. UL/IUL: Why Guarantees Win (Ep. 247)
<p>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.</p> <p>👉 Follow Mary Jo Here: https://www.youtube.com/channel/UCXYvzroUouEMsTGKFw5nJHQ <br /> 👉 Get the book: https://www.withoutthebank.com/book/ </p> <p>MJ and Tarisa walk through a key chapter from Nelson Nash's Becoming Your Own Banker and unpack what it really means to "finance everything you buy." </p> <p>They explain how paying cash still has a cost, wh...
