Banks Don't Want You Knowing This About Investments (Ep. 334)
Farming Without the Bank Podcast
Most people believe they’re doing the right thing by maxing out their 401(k) or IRA. But what if the entire system is designed to trap you later with higher taxes, forced withdrawals, and lost control? Follow Mary Jo Here: Get the book: 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 explain. Mary Jo dives into Chapter 5 of Building Your Warehouse of Wealth, unpacking why tax-qualified retirement plans may be one of the biggest financial misconceptions of...
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Tiny Town, Huge Risk: What Buying a 60-Year-Old Business Really Takes (Ep. 333)
Farming Without the Bank Podcast
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. 👉 Follow Mary Jo Here: 👉 Get the book: Erica shares how she runs a 5th-generation farm with Dexter cattle, heritage hogs, hair sheep, hypoallergenic curly horses, and silky chickens while modernizing a tiny farm store, creating custom feed mixes, shipping...
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Parents Need to Teach This—Not Schools (Ep. 332)
Farming Without the Bank Podcast
Is your 401(k) really a “benefit”… or did you just get dropped into the government’s boiling pot without noticing? 👉 Follow Mary Jo Here: 👉 Get the book: 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. What we cover in this episode: We walk through the history of pensions, 401(k)s, IRAs and Social Security, and how...
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Change Your Financial Future Now! (Ep. 331)
Farming Without the Bank Podcast
Controlling the Banking Function in Your Life to Change Your Finacial Future! You might be saving 10% of your income… but quietly sending 34.5% of every disposable dollar to banks in interest. In this episode, Mary Jo breaks down Chapter 3 of Building Your Warehouse of Wealth and shows why how money flows is more important than the rate of return you’re chasing. 👉 Follow Mary Jo Here: 👉 Get the book: Using Nelson Nash’s “All-American Family,” we walk through where your money actually goes, why banks always win under the current system, and how using...
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Why Life Insurance Might Be Your Secret Asset! (Ep. 330)
Farming Without the Bank Podcast
Banks classify your life insurance as an asset, so why do so many people treat it like an expense? In this episode, we break down how dividend-paying whole life can be your warehouse of wealth without feeding inflation like the banking system does. 👉 Follow Mary Jo Here: 👉 Get the book: Chapter 1 of Building Your Warehouse of Wealth (Nelson Nash) hits hard: government programs, fractional reserve banking, and how we’ve become “part of the problem” by chasing cheap loans and rates of return. We contrast banks (who lend money that doesn’t exist) with...
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Stop Waiting for Inheritance; Start Farming Now (Ep. 329)
Farming Without the Bank Podcast
Are you waiting on an inheritance, a government program, or the bank to finally let you farm “for real”? In this episode, Mary Jo shows how that thinking is exactly what’s holding you back, and how Nelson Nash warned us about it years ago. 👉 Follow Mary Jo Here: 👉 Get the book: In Episode 329, Mary Jo dives into Nelson Nash’s second book, “Building Your Warehouse of Wealth,” and unpacks why how you think about money, wealth, and government programs determines everything about your financial future. From government “police actions” to farm programs and...
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The Truth About Policy Loans, Dividends, & Inflation (Ep. 328)
Farming Without the Bank Podcast
Most people think policy loans mean “borrowing your own money.” That’s completely wrong, and it’s costing them big. In this episode, Mary Jo breaks down exactly how policy loans work inside Infinite Banking and why understanding the difference can change how you build wealth. 👉 Follow Mary Jo Here: 👉 Get the book: In this deep dive, Mary Jo explains why you’re borrowing the life insurance company’s money, not your own, when using policy loans, and how that lets your cash value keep earning uninterrupted compound interest and dividends. She also addresses common...
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Kyle Busch Lost $8.5M... But It's Not What You Think (Ep. 327)
Farming Without the Bank Podcast
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? 👉 Follow Mary Jo Here: 👉 Get the book: 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. She dives into: ◦ Why IULs, VULs, and ULs collapse faster than you...
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Bitcoin vs. Infinite Banking: Why I Still Choose Gold & Silver (Ep. 326)
Farming Without the Bank Podcast
Bitcoin fans say it’s the future. I say: show me how it actually solves real-world money problems. In this episode, I walk through the biggest unanswered questions I still have about Bitcoin: volatility, inheritance keys, “who’s in charge,” government visibility, and why I still prefer AND assets like dividend-paying whole life over OR assets like BTC. 👉 Follow Mary Jo Here: 👉 Get the book: Prompted by a listener (thanks, Todd!), I listened to a Bitcoin proponent debate and wrote down the sticking points I can’t get past. If Bitcoin is limited, why do...
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The Truth About Infinite Banking: What Haters Get Wrong (Ep. 325)
Farming Without the Bank Podcast
Why do so many people say, "Whole life insurance never works"? Let's unpack that. In this episode, Mary Jo takes on online critics who claim infinite banking doesn't work and reveals why most people making these comments haven't even done their homework. 👉 Follow Mary Jo Here: 👉 Get the book: Mary Jo shares personal stories, lessons from Nelson Nash, and her own journey from being labeled "learning disabled" to becoming a teacher who helps thousands understand money in a different way. If you've ever wondered whether the Infinite Banking Concept (IBC) really helps people...
info_outlineSome folks think Mary Jo Irmen doesn’t understand farming. Spoiler alert: she does.
In this episode, Mary Jo sets the record straight about her deep roots in agriculture, from growing up on a cattle ranch in North Dakota to working with thousands of farmers across the country.
She shares her personal story, her family’s generational farm history, and why that firsthand experience is critical when helping farmers implement the Infinite Banking Concept (IBC).
If you’ve ever wondered whether Mary Jo “gets it,” this episode is the proof.
From banker demands to cattle cycles to generational land transfers, she knows the realities farmers face and why most financial advisors don’t.
🔑 KEY TAKEAWAYS
Farmers don’t need a banker who knows how to farm—they need one who knows how money works
You can’t save the farm without first understanding how to manage cash flow and build your own banking system
Generational wealth in farming takes more than grit; it takes the right mindset and financial strategy
Advisors who don’t understand the lifestyle have no business giving you advice
⏱️ EPISODE TIMECODES
(00:00) – The forgotten piece of every farm operation: the money
(00:26) – People don’t know Mary Jo’s background in farming
(01:10) – Common assumptions during client meetings
(01:47) – Mary Jo’s family history: 4 generations of farming
(03:27) – Discovering Infinite Banking and its fit for farmers
(04:44) – Why she focused her business on working with farmers
(05:52) – The idea behind writing Farming Without the Bank
(07:01) – Owning the bank is pointless if you don’t use it
(07:47) – Why you need to tend to your own bank
(08:00) – Thousands of one-on-one conversations with farmers
(10:03) – You don’t need an agronomist—you need a money expert
(11:03) – Learning farming practices across 47+ states
(13:02) – Most farmers are ignoring the most important asset: money
(14:00) – Preparing for generational transfer isn’t premature—it’s essential
(16:01) – Why Mary Jo really gets farming
(17:01) – There is no such thing as a predictable profit margin
(18:08) – Don’t take advice from someone who doesn’t know the industry
(19:17) – Farming isn’t a job—it’s a way of life
(20:12) – “Every farmer is my farmer.” Why Mary Jo defends her people
(22:20) – You have enough vultures. Don’t work with one more
(23:26) – Yes, Mary Jo still owns farm ground
(24:31) – Why her husband should’ve been born a farmer
(24:50) – How to get the book or contact Mary Jo
📚 RESOURCES & LINKS
📘 Grab your copy of Farming Without the Bank:
👉 https://www.farmingwithoutthebank.com/book
📅 Ready to talk? Book a meeting with Mary Jo:
👉 https://www.farmingwithoutthebank.com/contact
💬 Questions or feedback?
📨 maryjo@withoutthebank.com
👍 Follow on Facebook:
🔗 https://www.facebook.com/FarmingWithoutTheBank
🔥 WANT TO KEEP LEARNING?
Binge past episodes and hear how real farmers are using IBC to take back control. If you’ve ever thought “she doesn’t get it,” this episode proves you wrong.