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What If the Cattle Market Collapses? Why Debt-Free Isn’t Enough (Ep. 378)
Your CPA isn't being difficult — they've just never been taught how this works. In Ep. 378, Mary Jo Irmen answers the question she gets more than any other: how does money actually flow through a whole life policy? She walks the full loop out loud: income comes in,...
Previous Episodes
Why the Generational Bickering in Farming Has to Stop (Ep. 372)
Are boomer farmers actually greedy? Or are younger farmers stuck in victim mentality? In Episode 372 of Farming Without the Bank, Mary Jo Irmen tackles the generational war in agriculture head-on — silent generation, boomers, Gen-X, millennials, and Gen Z. Young...
Trolls vs. Productive People: Who Wins? (Ep. 371)
It's TROLL DAY on Farming Without the Bank Ep 371 with Mary Jo Irmen — and the trolls brought their best hate comments. Mary Jo reads them all and answers back: charging her own son 9% interest (vs 11% at the bank), helping a client farm 6,000 acres from scratch, why...
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...
Why Farmers Stay Broke & How to Actually Keep More of Your Money (Ep. 369)
Mary Jo's back with three money topics every farmer and rancher needs to hear. The thread running through all of them: it's not how much money you make — it's how you USE it. In this episode: the private equity news making headlines in the life insurance world (and...
Why You Need to Plan for Long-Term Care Before the Crisis Hits (Ep. 368)
The biggest threat to your farm's legacy isn't the bank — it's an unplanned long-term care event. In this episode, Mary Jo Irmen sits down with long-term care expert Michelle Prather, author of Who's Wiping Your Assets?, to unpack why modern long-term care insurance...
5 Things to Watch for When Buying a Policy (Ep. 367)
Buying a whole life insurance policy for infinite banking? Many agents have no idea what they're actually selling you — and it could cost you decades of compound growth. In this episode, Mary Jo breaks down the 5 things you MUST check before you sign anything, based...

