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Farming Without The Bank Podcast
Recent Episodes
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/
Everyone says farming and ranching are hard—but what if the real problem isn’t expenses… it’s how money is being used?
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.
👉 Follow Mary Jo Here: https://www.youtube.com/@MaryJoIrmen?sub_confirmation=1
👉 Get the book: https://www.farmingwithoutthebank.com…
In this candid rant-meets-masterclass, Mary Jo responds to critics who claim there’s no such thing as excess money in agriculture. She explains why higher cattle prices create opportunities, and how most producers miss them by paying everything off instead of building systems that generate cash flow.
Using real conversations with farm and ranch families, she walks through:
Why paying off low-interest debt can actually hurt you
How cash flow determines freedom, not net worth
Why “passive income” is mostly a myth
How money should move through your system differently
This episode is a mindset shift for anyone stuck in the cycle of “it’s hard” and ready to start asking better questions.
✅ Key Takeaways:
- Cash flow is more important than being debt-free
- Two people with the same income can have vastly different outcomes
- Excess money isn’t the problem—misuse of it is
- Paying off everything can kill future opportunity
- Money must keep moving to create income
⏱ Chapters:
(00:00) – The “It’s Hard” Victim Mentality
(01:13) – What “Excess Money” Really Means
(03:03) – Why Money Utilization Matters More Than Income
(04:30) – Paying Off Debt vs Creating Cash Flow
(07:57) – Why Being Debt-Free Isn’t the Answer
(09:15) – How Money Should Move Through Your System
(13:00) – Opportunity Thinking vs Staying Stuck
If this episode challenged your thinking:
🔔 Subscribe for more farm and ranch financial strategy
Need help thinking through your own cash flow strategy?
📧 Email: maryjo@withoutthebank.com
🔗 Link Mentioned:
Becoming Your Own Banker by Nelson Nash (book referenced)
