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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Why You Don't Need $20 Million to Start Your Own Bank (Ep. 246)
<p>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.</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 how traditional banking REALLY works, why starting a bank is nearly impossible today, and why participating whole life insurance already has all the infrastructure you need to start...
Stop Chasing APR—What Really Drains Your Wealth (Ep. 245)
<p>Think you control your money because you have a 401(k), IRA, or a checking account? <br /> 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.</p> <p>👉 Follow Mary Jo Here: https://www.youtube.com/channel/UCXYvzroUouEMsTGKFw5nJHQ <br /> 👉 Get the book: https://www.withoutthebank.com/book/ </p> <p>We break down Nelson Nash's "Problem" chapter: why focusing on the rate of return on a small savings slice misses the bigger issue, volume of interest flowing out through housing, autos, and living co...
Why Your Policy Fails: The Grocery Store Money Lesson (Ep. 244)
<p>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?</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 continue through Nelson Nash's Becoming Your Own Banker and dive into the Imagination chapter and the famous grocery store analogy. </p> <p>We break down why imagination matters more than information, how to treat your policy like a real business, and why charging your own ki...
How One Family Lost $1.2M to College Tuition (Ep. 243)
<p>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.</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, Mary Jo shares a real-life client story that reveals how even high-income earners, employees, not just business owners, can benefit from Infinite Banking.</p> <p>You'll learn how to...
Kyle Busch Lost $8.5M... But It's Not What You Think (Ep. 242)
<p>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?</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 of Without the Bank, Mary Jo breaks down the Kyle Busch life insurance lawsuit, exposing how IULs are often mis-sold and why dividend-paying whole life insurance is still the gold standard for Infinite Banking.</p> <p>She dive...
Hard Times Built Infinite Banking — Here's the Lesson You're Missing (Ep. 241)
<p>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.</p> <p>👉 Follow Mary Jo Here: https://www.youtube.com/channel/UCXYvzroUouEMsTGKFw5nJHQ <br /> 👉 Get the book: https://www.withoutthebank.com/book/ </p> <p>We continue our study of Becoming Your Own Banker and unpack how the Infinite Banking Concept started. </p> <p>Using Nelson's forestry analogy, we break down uninterrupted compounding, the dangers of overleveraging, why policy design matters (don't cha...
Are You Saving Money the Wrong Way? (Ep. 240)
<p>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. </p> <p>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.</p> <p>👉 Follow Mary Jo Here: https://www.youtube.com/channel/UCXYvzroUouEMsTGKFw5nJHQ <br /> 👉 Get the book: https://www.withoutthebank.com/book/ </p> <p>We break down Nelson Nash's Becoming Your Own Banker and the "97/3" insight: wealth is a skill, not a windf...
The Secret to Using the Same Dollar Twice (Legally) (Ep. 239)
<p>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.</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 #239 of the Without The Bank Podcast, we dive deep into how to make your money work harder through t...
How the Wealthy Make Their Money Work Twice as Hard (Ep. 238)
<p> 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.</p> <p> Book: Life Without The Bank by Mary Jo Irmen<br /> 📌 https://www.withoutthebank.com/book/<br /> <br /> 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.</p> <p> Mary Jo and Tarisa break down why Infinite Banking (IBC) is educ...
Lessons Learned in the IBC Journey (Ep. 237)
<p>"You don't make money by taking loans, you make money by paying premiums." In this candid episode, we unpack the biggest lessons from our Infinite Banking (IBC) journey; what we got right, what we'd do differently, and the costly myths we had to unlearn.</p> <p>From early nerves (Is this even legal?) to 15 years of using dividend-paying whole life policies, we share our most honest takeaways: how to think about premiums vs. loans, why the right mentor matters, using policies as a throughput system (not a piggy bank), the danger of "extra interest" hype, tracking growth, and building...
