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Latest Podcast
Stop Lending to Your Kids From ONE Policy (Do This Instead) (Ep. 370)
Lending money to your kids from ONE policy is a recipe for a family fight. In this episode, Mary Jo Irmen shares 2 creative strategies she used this week to solve real client problems around kids, money, and fairness. If you have 3 kids and help one start a business...
Previous Episodes
$100K in Cattle at 20: The Move Dave Ramsey Hated (Ep. 324)
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:...
Banks Are Quietly Changing the Rules — Are You Ready? (Ep. 323)
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. Farming Without the Bank – Book & resources: https://www.farmingwithoutthebank.com/book/ Understanding sound...
Ep. 322 – Why Liquidity Beats Paying Off Debt
Cattle checks look big with the current cattle prices, so why are so many farmers and ranchers still getting squeezed by the bank with farm loans? Because paying everything off kills your liquidity and hands control back to the lender. Let's fix that. 👉 Follow Mary...
Ep. 321 – Why You Need More Than One Policy
💡 Why would anyone need more than one life insurance policy? Having multiple life insurance policies can provide more premiums, earning compound interest and dividends, which in turn lead to greater death benefits. 👉 Follow Mary Jo Here:...
Ep. 320 – Life Settlements
Are life settlements truly helping seniors, or are they simply enriching companies? In this episode of Farming Without the Bank, Mary Jo exposes the hidden dangers of selling your life insurance policy and why borrowing against your whole life policy is often the...
Ep. 319 – Passion for the Underdog
Are you paying tens of thousands for "help" that just sends you back to the bank—without cash flow, without clarity, and without confidence? Mary Jo gets loud (for good reason) to protect the underdog in agriculture. 👉 Follow Mary Jo Here:...

