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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Universal Life Policies Are Collapsing | Here's Why (Ep. 341)
<p>🚨 Universal Life Insurance EXPOSED 🚨</p> <p>Is Universal Life, Indexed Universal Life, or Variable Universal Life really the powerful wealth tool it's marketed to be? In this episode of the Farming Without the Bank podcast, Mary Jo dives deep into why universal life policies often fail, drawing directly from Nelson Nash's Warehouse of Wealth and decades of real-world experience.</p> <p>👉 Follow Mary Jo Here: / @maryjoirmen</p> <p>👉 Get the book: https://www.farmingwithoutthebank.com...</p> <p>If you've ever been pitched an IUL with "great returns" and "no downside," this episode is a must-watch before you sign anything.</p> <p>Univers...
Insurance Premiums Are Destroying Farms—Here's What Actually Works (Ep. 340 )
<p>Insurance premiums doubling… tripling… and companies still denying claims. Should you just self-insure and be done with it—or will that decision wreck your finances when disaster hits?</p> <p>In this episode of Farming Without the Bank, we dig into Chapter 8: Building Your Warehouse of Wealth and talk about what self-insuring really looks like using cash value life insurance, and where it absolutely does not make sense to go it alone.</p> <p>🔍 What You'll Learn</p> <p>When it actually makes sense to self-insure vs. when you're just gambling</p> <p>How Nelson Nash used dividend-paying whole life to s...
Nobody's Coming to Save You Financially (Ep. 339)
<p>What happens when everyone expects someone else to pick up the bill?</p> <p>From a nightmare condo sale to health insurance chaos, this episode is a raw, unfiltered wake-up call on personal responsibility, money, and self-reliance.</p> <p>In this episode, Mary Jo shares a months-long real estate saga that exposed a deeper issue she's seeing everywhere—from first-time homebuyers and realtors, to health insurance, escrow accounts, and even parenting adult children.</p> <p>The common theme? Too many people are handing off responsibility—and expecting others to pay the price.</p> <p>This episode isn't about being hars...
Windfall Alert: What Farmers Miss Every Single Year (Ep. 338)
<p>Is life insurance a luxury—or a necessity?</p> <p>In this episode of Farming Without The Bank (FWTB Ep. 338), Mary Jo breaks down Chapter 7 of Nelson Nash's Warehouse of Wealth and explains how Parkinson's Law silently destroys financial progress, especially when people experience windfalls of money.</p> <p>From selling land, paying off equipment, kids leaving the house, or daycare expenses disappearing—windfalls happen whether you notice them or not. The real question is: Where does that money go?</p> <p>Nelson Nash's real-life example shows how paying off a policy loan after a windfall can feel like back...
Corporations Don't Pay Taxes — You Do. Here's How. (Ep. 337)
<p>You've been told corporations pay taxes, but what if that's the biggest lie in the system? In this episode, Mary Jo breaks down who really pays for taxes, benefits, tariffs, and government programs—and why the consumer always ends up holding the bag.</p> <p>In Episode 337 of Farming Without the Bank, Mary Jo dives into Chapter 6 of Nelson Nash's Warehouse of Wealth: "Lies, Lies, and Lies."</p> <p>This episode exposes how taxes, Social Security, employee benefits, tariffs, credit card fees, and corporate expenses are never absorbed by businesses—they are passed directly to you, the consumer.</p> <p>Fr...
Your Biggest Problem Isn't What You Think It Is (Ep. 336)
<p>Everyone says farming and ranching are hard—but what if the real problem isn't expenses… it's how money is being used?</p> <p>In this episode, Mary Jo tackles the backlash around "excess money," breaks down why being debt-free isn't the same as being financially secure, and explains why cash flow—not comfort—is the real solution.</p> <p>👉 Follow Mary Jo Here: https://www.youtube.com/@MaryJoIrmen?sub_confirmation=1</p> <p>👉 Get the book: https://www.farmingwithoutthebank.com...</p> <p>In this candid rant-meets-masterclass, Mary Jo responds to critics who claim there's no such thing as excess money in agriculture...
Commodity Prices Trap Farmers In Debt (Ep. 335)
<p>Most farmers still buy equipment the old way—cash or bank loans—losing years of compound growth. What if the problem isn't your policy… It's when the money runs through it?</p> <p>👉 Follow Mary Jo Here: https://www.youtube.com/@MaryJoIrmen?sub_confirmation=1</p> <p>👉 Get the book: https://www.farmingwithoutthebank.com...</p> <p>In this episode, Mary Jo breaks down the "before asset" idea: running money through your whole life policy before you buy equipment, cattle, or cover operating expenses. She explains why premium is what makes you money, why loans themselves don't, and how to think differently a...
Banks Don't Want You Knowing This About Investments (Ep. 334)
<p>Most people believe they're doing the right thing by maxing out their 401(k) or IRA.</p> <p>But what if the entire system is designed to trap you later with higher taxes, forced withdrawals, and lost control? 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=fwtb-ep334&utm_term=desc-top In this episode of Farming Without the Bank, we break down The Market Scam from Nelson Nash's Building Your Warehouse of Wealth** and expose what most financial advisors never...
Tiny Town, Huge Risk: What Buying a 60-Year-Old Business Really Takes (Ep. 333)
<p>Be open-minded, ditch the negativity, and yes, you can buy that small-town business and make it work. In this episode, Mary Jo sits down with client and Iowa rancher/feed-store owner Erica Lantz, who walked away from a 14-year corporate food job to buy a 60-year-old feed store in a town of 1,000 people… during COVID.</p> <p>👉 Follow Mary Jo Here: https://www.youtube.com/channel/UCXYvzroUouEMsTGKFw5nJHQ</p> <p>👉 Get the book: https://www.farmingwithoutthebank.com/book </p> <p>Erica shares how she runs a 5th-generation farm with Dexter cattle, heritage hogs, hair sheep, hypoallergenic curly horses, and silky chick...
Parents Need to Teach This—Not Schools (Ep. 332)
<p>Is your 401(k) really a "benefit"… or did you just get dropped into the government's boiling pot without noticing?</p> <p>👉 Follow Mary Jo Here: https://www.youtube.com/channel/UCXYvzroUouEMsTGKFw5nJHQ <br /> 👉 Get the book: https://www.farmingwithoutthebank.com/book </p> <p>In this episode, Mary Jo continues breaking down Nelson's book Building Your Warehouse of Wealth (Chapter 4) and why he called tax-qualified retirement plans a scam, how government "help" actually means control, and why cash flow + financial education beat blind 401(k) contributions every time.</p> <p>What we cover in this episode:<br /> We walk through the history of...
