Why Your Policy Fails: The Grocery Store Money Lesson (Ep. 244)
Without the Bank Podcast
Most infinite banking policies don’t fail because of the insurance company… they fail because of human behavior. Are you quietly stealing the peas from your own grocery store? 👉 Follow Mary Jo Here: 👉 Get the book: In this episode, we continue through Nelson Nash’s Becoming Your Own Banker and dive into the Imagination chapter and the famous grocery store analogy. We break down why imagination matters more than information, how to treat your policy like a real business, and why charging your own kids interest can actually build more wealth for them. If you’ve...
info_outline
How One Family Lost $1.2M to College Tuition (Ep. 243)
Without the Bank Podcast
Are you still paying cash for big expenses like college tuition, remodels, or vehicles? You might be losing hundreds of thousands — even millions — without realizing it. Learn how to use the Infinite Banking Concept to make your money work for you every time you spend it. 👉 Follow Mary Jo Here: 👉 Get the book: In this episode, Mary Jo shares a real-life client story that reveals how even high-income earners, employees, not just business owners, can benefit from Infinite Banking. You’ll learn how to recycle the same $30,000 for college costs, turn expenses like...
info_outline
Kyle Busch Lost $8.5M... But It's Not What You Think (Ep. 242)
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...
info_outline
Hard Times Built Infinite Banking — Here's the Lesson You're Missing (Ep. 241)
Without the Bank Podcast
Starting an IBC policy when everything feels worst? That’s exactly how Nelson Nash discovered Infinite Banking, when bank rates hit 23% and leverage turned on him. Here’s what he did, why it worked, and how to avoid the same traps. 👉 Follow Mary Jo Here: 👉 Get the book: We continue our study of Becoming Your Own Banker and unpack how the Infinite Banking Concept started. Using Nelson’s forestry analogy, we break down uninterrupted compounding, the dangers of overleveraging, why policy design matters (don’t chase fast cash value if it weakens the system), and...
info_outline
Are You Saving Money the Wrong Way? (Ep. 240)
Without the Bank Podcast
Feel “broke” even though you’ve got money in savings and retirement? You might be trapped by compartmentalized thinking, paying 25–30% on credit cards while your “retirement money” sits idle. In this episode, we show you how to see your finances as one pool of money, become your own banker, and pay yourself back, without making money more complicated. 👉 Follow Mary Jo Here: 👉 Get the book: We break down Nelson Nash’s Becoming Your Own Banker and the “97/3” insight: wealth is a skill, not a windfall. You’ll see how banking is a process you already...
info_outline
The Secret to Using the Same Dollar Twice (Legally) (Ep. 239)
Without the Bank Podcast
What if you could use the same dollar twice, to buy your dream car today and still have it grow for your retirement tomorrow? In this episode, we uncover the 7 Points to Consider from Nelson Nash’s legendary book Becoming Your Own Banker and why understanding where your money lives could change your financial future forever. 👉 Follow Mary Jo Here: 👉 Get the book: In this episode #239 of the Without The Bank Podcast, we dive deep into how to make your money work harder through the Infinite Banking Concept (IBC). Mary Jo and Tarisa explore why traditional retirement...
info_outline
How the Wealthy Make Their Money Work Twice as Hard (Ep. 238)
Without the Bank Podcast
Most people obsess over “rate of return”, but they miss the banking process that controls every dollar in their life and how to leverage that same dollar to make more. Book: Life Without The Bank by Mary Jo Irmen 📌 In this episode, we unpack the Introduction & Points to Consider from Nelson Nash’s Becoming Your Own Banker and show how dividend-paying whole life can be an AND asset: fund your policy and still deploy capital into investments. Mary Jo and Tarisa break down why Infinite Banking (IBC) is education, not a sales tool, why your need for financing is greater...
info_outline
Lessons Learned in the IBC Journey (Ep. 237)
Without the Bank Podcast
“You don’t make money by taking loans, you make money by paying premiums.” In this candid episode, we unpack the biggest lessons from our Infinite Banking (IBC) journey; what we got right, what we’d do differently, and the costly myths we had to unlearn. From early nerves (Is this even legal?) to 15 years of using dividend-paying whole life policies, we share our most honest takeaways: how to think about premiums vs. loans, why the right mentor matters, using policies as a throughput system (not a piggy bank), the danger of “extra interest” hype, tracking growth, and building...
info_outline
Ep. 236 - Compound vs. Uninterrupted, the Sequel
Without the Bank Podcast
Mary Jo and Tarissa challenge common financial advice about compounding interest. A billionaire may have praised the "power of compounding," but Mary Jo explains what he left out: interruptions. Using relatable examples from bodybuilding, business, and everyday life, she shows why uninterrupted compounding is what truly builds lasting financial security. Audio Production by Podsworth Media -
info_outline
Ep. 235 - Big Check or Little Check?
Without the Bank Podcast
In this episode, Mary Jo delves into the cost-efficiency of life insurance, explaining why it's more beneficial to write smaller premium checks in exchange for larger death benefits. She highlights the reliability of life insurance companies paying out claims with historical examples, and also touches on the comparative weakness of term-life compared to whole-life insurance policies. Audio Production by Podsworth Media -
info_outlineMary Jo and Tarissa challenge common financial advice about compounding interest. A billionaire may have praised the "power of compounding," but Mary Jo explains what he left out: interruptions. Using relatable examples from bodybuilding, business, and everyday life, she shows why uninterrupted compounding is what truly builds lasting financial security.
Audio Production by Podsworth Media - https://podsworth.com