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...
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$100K in Cattle at 20: The Move Dave Ramsey Hated (Ep. 324)
Farming Without the Bank Podcast
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: 👉 Get the book: In this fiery episode #324 of Farming Without the Bank, Mary Jo Irmen and John dive deep into a recent Dave Ramsey clip that went viral — a 20-year-old caller buys $100K in cattle, and Dave loses it. Mary Jo and John break down why the young man’s decision wasn’t reckless at all; it was smart business. They explain how proper use...
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Banks Are Quietly Changing the Rules — Are You Ready? (Ep. 323)
Farming Without the Bank Podcast
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: Understanding sound farm management and agricultural finance is now more important than ever to mitigate risk management. Let's navigate the ag lending landscape together. Mary Jo breaks down when (and if) you should use the minimum premium option on policies with Paid-Up Additions (PUA) and why, in most cases, paying the full premium and then borrowing against cash value is the...
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Ep. 322 - Why Liquidity Beats Paying Off Debt
Farming Without the Bank Podcast
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 Jo Here: 👉 Get the book: Here's a look into the complexities of farm finance and why banks often limit farmers to three years of operating debt. Understanding debt management is critical for farmers navigating the current agricultural finance landscape. This video offers insights for farmers seeking to...
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Ep. 321 - Why You Need More Than One Policy
Farming Without the Bank Podcast
💡 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: 👉 Get the book: This insurance strategy enhances financial security and builds generational wealth. Effective financial planning utilizes such strategies for long-term wealth building. In this episode of the Farming Without the Bank Podcast, Mary Jo dives into the real reasons behind starting multiple policies and why it’s not just a...
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Ep. 320 - Life Settlements
Farming Without the Bank Podcast
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 smarter move. 👉 Follow Mary Jo Here: 👉 Get the book: Many elderly policyholders are advised to cancel or sell their life insurance without realizing they can access cash through policy loans or riders. Life settlement companies profit, while families lose financial security. Don’t let that happen to your loved ones....
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Ep. 319 - Passion for the Underdog
Farming Without the Bank Podcast
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: 👉 Get the book: In this episode, Mary Jo calls out predatory consulting in ag, breaks down why cash flow beats fancy paperwork, and shows how real Infinite Banking is done—ethically, transparently, and with education. From breaking out your enterprises to negotiating with banks and choosing the right rooms for growth, this is a wake-up...
info_outline🎙️ EP. 310 – Arrival Syndrome at Its Finest
Why is it so hard to get others to understand Infinite Banking, even when you’ve done the work and read the book?
In this episode, Mary Jo Irmen breaks down one of the biggest barriers to spreading the truth about IBC: arrival syndrome—the belief that someone "already knows" and doesn’t need to learn more.
From dismissive family members to skeptics crying “scam,” Mary Jo addresses the frustrating (and sometimes ridiculous) excuses people give when they refuse to do their due diligence. If you’ve ever felt like you’re banging your head against a wall trying to explain IBC, this one’s for you.
🔑 KEY TAKEAWAYS
What "arrival syndrome" is and how it blocks financial growth
Why you don’t need permission from others to take control of your financial future
How to deal with common objections like “it’s a scam,” “I already have insurance,” or “it’s a pyramid scheme”
Why curiosity and education are the foundation of success with IBC
The power of surrounding yourself with like-minded thinkers who “get it”
⏱️ EPISODE TIMECODES
(00:00) – What happens when people leave behind a financial mess
(00:57) – Defining arrival syndrome and how it shows up
(01:39) – A real email: “How do I get others to read the book?”
(02:46) – Why leading with “buy life insurance” fails
(03:21) – Stop waiting for permission to start your policy
(05:28) – What is Parkinson’s Law? (No, not the disease!)
(06:01) – 19-year-old client takes charge—despite his banker mom’s doubts
(08:07) – Mary Jo’s one rule: don’t ask questions if you haven’t read the book
(09:13) – Common (and absurd) objections to IBC
(11:04) – Commission talk: The truth behind how agents get paid
(12:14) – “I already have life insurance.” Do you have enough?
(13:28) – “I wish people could die for 3 years…” (on leaving behind a mess)
(14:39) – “This is a pyramid scheme” and other nonsense
(15:20) – If you’re earning 15% returns, great—here’s how to do even better
(16:15) – Scientology? Seriously?
(18:00) – No book = no meeting. Educate yourself first.
(21:01) – Why critics don’t do their homework
(22:01) – Surround yourself with people who think like bankers
(23:10) – Mary Jo’s advice to frustrated clients: Stop engaging with skeptics
(26:06) – Most people stop learning after high school—don’t be like most
(28:42) – Final thoughts: Find curious people. Ignore the rest.
(29:34) – Episode wrap-up
📚 RESOURCES & LINKS
👉 Grab your copy of Farming Without the Bank:
https://www.farmingwithoutthebank.com/book
📘 Get Nelson Nash’s Becoming Your Own Banker
https://www.farmingwithoutthebank.com/shop
📅 Read the book? Book a meeting with Mary Jo or John:
https://www.farmingwithoutthebank.com/contact
💬 Email questions:
📨 maryjo@withoutthebank.com
👍 Join the Facebook community:
https://www.facebook.com/FarmingWithoutTheBank
🔥 WANT MORE?
Listen to past episodes and dive deeper into Infinite Banking with Mary Jo and her clients. You’ll quickly realize this isn’t just about life insurance. It’s about taking back control of your financial future.