Farming Without the Bank Podcast

Banks Don't Want You Knowing This About Investments (Ep. 334)

26 Dec 2025

Contributed by Lukas

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 ...

Tiny Town, Huge Risk: What Buying a 60-Year-Old Business Really Takes (Ep. 333)

19 Dec 2025

Contributed by Lukas

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 a...

Parents Need to Teach This—Not Schools (Ep. 332)

12 Dec 2025

Contributed by Lukas

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: https:/...

Change Your Financial Future Now! (Ep. 331)

05 Dec 2025

Contributed by Lukas

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 e...

Why Life Insurance Might Be Your Secret Asset! (Ep. 330)

28 Nov 2025

Contributed by Lukas

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-payin...

Stop Waiting for Inheritance; Start Farming Now (Ep. 329)

21 Nov 2025

Contributed by Lukas

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 think...

The Truth About Policy Loans, Dividends, & Inflation (Ep. 328)

14 Nov 2025

Contributed by Lukas

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 do...

Kyle Busch Lost $8.5M... But It's Not What You Think (Ep. 327)

07 Nov 2025

Contributed by Lukas

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...

Bitcoin vs. Infinite Banking: Why I Still Choose Gold & Silver (Ep. 326)

31 Oct 2025

Contributed by Lukas

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 unanswe...

The Truth About Infinite Banking: What Haters Get Wrong (Ep. 325)

24 Oct 2025

Contributed by Lukas

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 ...

$100K in Cattle at 20: The Move Dave Ramsey Hated (Ep. 324)

17 Oct 2025

Contributed by Lukas

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...

Banks Are Quietly Changing the Rules — Are You Ready? (Ep. 323)

10 Oct 2025

Contributed by Lukas

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...

Ep. 322 - Why Liquidity Beats Paying Off Debt

03 Oct 2025

Contributed by Lukas

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? B...

Ep. 321 - Why You Need More Than One Policy

26 Sep 2025

Contributed by Lukas

💡 Why would anyone need more than one life insurance policy? Having multiple life insurance policies can provide more premiums, earning compound i...

Ep. 320 - Life Settlements

19 Sep 2025

Contributed by Lukas

Are life settlements truly helping seniors, or are they simply enriching companies? In this episode of Farming Without the Bank, Mary Jo exposes the h...

Ep. 319 - Passion for the Underdog

12 Sep 2025

Contributed by Lukas

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 J...

Ep. 318 - Get Out of Your County (and Your Own Way)

05 Sep 2025

Contributed by Lukas

Too many farmers and ranchers limit their success by staying stuck in their own bubble—relying only on local advice, neighbor gossip, and the county...

Ep. 317 - Goals and Mission Statements Are a Waste of Time

29 Aug 2025

Contributed by Lukas

Are goals and mission statements really helping you succeed—or are they holding you back? Here's why ACTION beats goals every single time. In this e...

Ep. 316 - Reimagining Agricultural Finance

22 Aug 2025

Contributed by Lukas

Tired of banks controlling when and how you sell your crops or cattle? In this episode, Mary Jo Irmen breaks down how the Infinite Banking Concept (IB...

Ep. 315 - The True Value of Money

15 Aug 2025

Contributed by Lukas

Too many people think that lending money to family or friends should be "interest-free" — but that mindset is costing them big. 👉 Follow Mary Jo ...

Ep. 314 - What Impacts Your Operation the Most, with Tracy Brunet

08 Aug 2025

Contributed by Lukas

Are you a farmer worried about losing your family farm to banks, bad estate planning, or expensive buyouts? 👉 Follow Mary Jo Here: https://www.yout...

Ep. 313 - Avoiding the Bank Doesn't Mean Debt-Free or Using Cash

01 Aug 2025

Contributed by Lukas

Too many farmers assume "Farming Without the Bank" means living cash-only and staying debt-free. In this episode, Mary Jo Irmen sets the record strai...

Ep. 312 - Seed or Harvest?

25 Jul 2025

Contributed by Lukas

🌱 Seed vs. Harvest: What Are You REALLY Paying Taxes On? Most farmers and business owners are unknowingly planning for a tax-heavy retirement, and ...

Ep. 311 - Farm Progress: Nebraska Farmer Got it WRONG

18 Jul 2025

Contributed by Lukas

📣 Farm Progress Got It WRONG About Infinite Banking In this no-holds-barred episode, Mary Jo Irmen breaks down a misinformed article published by N...

Ep. 310 - Arrival Syndrome at its Finest

11 Jul 2025

Contributed by Lukas

🎙️ 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 ...

Ep. 309 - Starting a Bank vs. Starting a Policy

04 Jul 2025

Contributed by Lukas

Starting a Bank vs. Starting a Policy (w/ John Hasche) Most farmers don't question putting capital into their land, cattle, or equipment. But when it ...

Ep. 308 - Premiums Should be Recorded as an Expense

27 Jun 2025

Contributed by Lukas

Too many farmers claim they "can't afford" life insurance premiums—but turn around and spend thousands on tractors, trailers, and toys. In this epis...

Ep. 307 - Fixing Farm Finance, with Damian Mason

20 Jun 2025

Contributed by Lukas

Many farmers take pride in being debt-free, but is that pride holding them back? In this episode, Mary Jo Irmen joins Damien Mason on the Business of ...

Ep. 306 - Top 10 Farming Concerns

13 Jun 2025

Contributed by Lukas

Too many farmers are stuck in survival mode, juggling high input costs, debt, and unpredictable markets, without a real plan for control or long-term ...

Ep. 305 - Yes, I Know Farming.

06 Jun 2025

Contributed by Lukas

Some 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 r...

Ep. 304 - You Don't Need Big Money to Start IBC

30 May 2025

Contributed by Lukas

Let's discuss why starting small with infinite banking is not only possible but powerful. Today, we're looking at real-life examples and challenging t...

Ep. 303 - Scammers At It Again!

23 May 2025

Contributed by Lukas

Today we're diving into recent life insurance scams and highlighting the dangers of working with unqualified or misleading agents. Learn why due dilig...

Ep. 302 - Risks of Transferring Policies to Kids

16 May 2025

Contributed by Lukas

In this episode we explore the often-overlooked topic of transferring ownership of life insurance policies from parents to children. Let's unpack the ...

Ep. 301 - MILLENNIALS Saving Farms

09 May 2025

Contributed by Lukas

In this episode, John joins us to look into the growing trend of millennials and Gen Z stepping in to rescue family farms from financial collapse, oft...

Ep. 300 - How Many Acres Do You Farm?

02 May 2025

Contributed by Lukas

In this episode, we confront the unspoken tension around the question, "How many acres do you farm?" and challenge farmers to take pride in their acco...

Ep. 299 - Not Everyone is a Top 3-Percenter

25 Apr 2025

Contributed by Lukas

Only 1–3% of people actually take action on big ideas like Infinite Banking or sell-by marketing. Let's explore the mindset gap between dreamers and...

Ep. 298 - Don't Compare & Take a Breath

18 Apr 2025

Contributed by Lukas

Let's discuss the trap of comparison and the power of patience, especially for young farmers feeling pressured to "catch up." We are sharing real-life...

Ep. 297 - Capitalization of Land vs. Whole Life Policies

11 Apr 2025

Contributed by Lukas

We are diving into the principle of capitalization, comparing how it works in life insurance policies versus land ownership. Let's look at why using w...

Ep. 296 - The Problem, with John Hasche

04 Apr 2025

Contributed by Lukas

We are continuing our review of Becoming Your Own Banker and  looking into the financial struggles many face today, emphasizing the importance of und...

Ep. 295 - Don't Sell to China or the Highest Bidder

28 Mar 2025

Contributed by Lukas

Explore the impact of selling farmland to the highest bidder, whether it's China, a developer, or a large farmer, and discuss how owner financing can ...

Ep. 294 - Imagination & the Grocery Store, with John Hasche

21 Mar 2025

Contributed by Lukas

In this episode, John joins us to review Chapter 3 & 4 of Becoming Your Own Banker, exploring the power of imagination, and breaking down Nelson Nash'...

Ep. 293 - Agricultural Education

14 Mar 2025

Contributed by Lukas

In this episode, we are discussing the growth of ag-focused podcasts, especially among millennials, and how it's shifting farming to a more business-l...

Ep. 292 - How Infinite Banking Got Started

07 Mar 2025

Contributed by Lukas

John is back again this week to continue discussing 'Becoming Your Own Banker'. Join us for a discussion on the importance of uninterrupted compound i...

Ep. 291 - BYOB Intro Review & Becoming Your Own Banker

28 Feb 2025

Contributed by Lukas

This week, John joins us to discuss "Becoming Your Own Banker". Here is your chance to dive into its key concepts with us as we review important secti...

Ep. 290 - I Don't Do Business Via Email

21 Feb 2025

Contributed by Lukas

Let's discuss the pitfalls of conducting business via email, especially when it comes to seeking financial illustrations and advice. Don't fall for qu...

Ep. 289 - Using Your Operating Line to Pay Premium

14 Feb 2025

Contributed by Lukas

In this episode, we delve into the complexities of borrowing money to pay life insurance premiums, and discuss the potential pitfalls. This discussion...

Ep. 288 - Client Interview: Brian Munger

07 Feb 2025

Contributed by Lukas

Today Brian Munger is talking with us about his journey adopting the Infinite Banking financial strategy, his ranching operations, the importance of f...

Ep. 287 - Mary Jo on the Wealthy Cowboy Show

31 Jan 2025

Contributed by Lukas

Join us at the Wealthy Cowboy studio as Crockett hosts Mary Jo to discuss the Infinite Banking concept, financial education for farmers, generational ...

Ep. 286 - Talking 1980's Crisis Again

24 Jan 2025

Contributed by Lukas

We are discussing the importance of preparing for economic downturns and the benefits of using life insurance policies for financial control and stabi...

Ep. 285 - When Can I Stop Paying Premium?

17 Jan 2025

Contributed by Lukas

Stopping premium payments on one policy to start a new policy does not yield a better rate of return! Today we are discussing  the misconceptions aro...

Ep. 284 - Yes, $30 Million to Retire. Future Requirements.

10 Jan 2025

Contributed by Lukas

Cash flow is critical for a sustainable retirement and traditional IRAs and 401ks are falling short, especially with increasing life expectancy and in...

Ep. 283 - Don't Judge a Book by Its Cover

03 Jan 2025

Contributed by Lukas

There is a difference between farming and running a farm business. In this episode, we're addressing misconceptions about farmers and their finances, ...

Ep. 282 - Different Perspectives Can Be Good

28 Dec 2024

Contributed by Lukas

Today we discuss the importance of considering different perspectives and continuous learning. It's a challenge for some, but we must embrace new idea...

Ep. 281 - Who Owns All the Land?

20 Dec 2024

Contributed by Lukas

Let's explore who actually owns all the land in the United States. We all know Bill Gates gets a lot of hate for buying up ground, but where does he a...

Ep. 280 - What the Yellowstone TV Shows Know About Ranching

13 Dec 2024

Contributed by Lukas

In this episode, we dive into the recent Yellowstone episode, highlighting the financial lessons that resonate with real-life ranching and farming sce...

Ep. 279 - You Determine the Value

06 Dec 2024

Contributed by Lukas

The value of goods like vehicles, houses, and land is driven by what people are willing to pay. Today we're talking about high living costs as a resul...

Ep. 278 - Why Premium Drops

29 Nov 2024

Contributed by Lukas

Explore the intricacies of whole life and learn why my illustrations often show a decrease in premium. We are taking a closer look at policy structure...

Ep. 277 - Land Trust, with Taylor Moyer

22 Nov 2024

Contributed by Lukas

Tune in for an enlightening discussion with Taylor Moyer about LandTrust, a platform helping farmers and ranchers monetize their land through hunting,...

Ep. 276 - You're NOT Debt-Free!

15 Nov 2024

Contributed by Lukas

Borrowing against life insurance policies does not make you debt-free! Think logically, be financially responsible, and understand that moving debt do...

Ep. 275 - Don't Assume They Know Me

08 Nov 2024

Contributed by Lukas

Be careful who you trust to set up a policy for you! Here are some tips on identifying authorized practitioners and ensuring you are getting accurate ...

Ep. 274 - Life Insurance is NOT an Investment!

01 Nov 2024

Contributed by Lukas

Life insurance offers guarantees, liquidity, control, and uninterrupted compound interest, which makes it fundamentally different from traditional inv...

Ep. 273 - Yes, Charge Family Interest!

25 Oct 2024

Contributed by Lukas

Learn the significance of charging interest when lending money to family members. We're discussing how adopting the role of an honest banker will not ...

Ep. 272 - Why Loans Don't Make You Money

18 Oct 2024

Contributed by Lukas

Learn why loans on your policy do not generate income, but instead how paying extra interest as premium will maximize financial growth. We break down ...

Ep. 271 - Meet John Hasche

11 Oct 2024

Contributed by Lukas

Meet John Hasche, a trained agent and expert in Infinite Banking and farming-related financial solutions. We are talking about the power of death bene...

Ep. 270 - Starting IBC During Hard Times

04 Oct 2024

Contributed by Lukas

Let's talk about starting using IBC during challenging economic times, especially when commodity prices are low. It's all about being strategic, beati...

Ep. 269 - The Importance of Strategic Planning

27 Sep 2024

Contributed by Lukas

Today we're addressing common concerns about committing funds to life insurance policies and the importance of understanding the long-term benefits. U...

Ep. 268 - The Power of Owning a Whole-Life Policy

20 Sep 2024

Contributed by Lukas

The owner has ALL the control and owns that asset. No one can ever change that; not even if you die before the insured. Audio Production by Podsworth ...

Ep. 267 - 5 Reasons IBC is Not a Money Market

13 Sep 2024

Contributed by Lukas

Some miss the point of IBC being done through dividend paying whole life insurance policies, and they think a money market is the same. There are 5 bi...

Ep. 266 - Four Reasons I Don't Like LLCs for Farming

06 Sep 2024

Contributed by Lukas

Here are the four things I run into when I see farms in LLCs. There are good reasons to have an LLC, but unless you do your setup and maintenance righ...

Ep. 265 - Who's Saving the Farm?

30 Aug 2024

Contributed by Lukas

We have far too many current farm owners who are in debt, and the next generation is trying desperately to save the farm by putting themselves at risk...

Ep. 264 - When to Quit Your Day Job

23 Aug 2024

Contributed by Lukas

Shane Anderson talked to us about how he made the decision to quit working off the farm and farm full-time. Tune in! We have solid advice about how to...

Ep. 263 - Stay Openminded

16 Aug 2024

Contributed by Lukas

So many people, ag industry included, want to be quick to make the judgment that, "people don't understand us." Let me encourage you to stay openminde...

Ep. 262 - Are You Prepared?

09 Aug 2024

Contributed by Lukas

With commodity prices the way they are now, so many folks are scrambling, yet we have had some decent years in the past. Are you preparing in the good...

Ep. 261 - You'd Find a the Money for Land and Equipment

02 Aug 2024

Contributed by Lukas

If the land next door became available, you'd find the money for the land payment... yet many wonder where the money will come from for their IBC poli...

Ep. 260 - Financial Freedom for Farmers (MJ on the Farm4Profit Podcast)

26 Jul 2024

Contributed by Lukas

Join hosts Corey and Tanner as they welcome Mary Jo to the Farm4Profit podcast to dive into the world of financial independence for farmers. In this e...

Ep. 259 - Online Noise

19 Jul 2024

Contributed by Lukas

As a consumer, you have to be able to weed through the noise and realize you may actually be smarter than the keyboard warriors online. Let's address ...

Ep. 258 - Self-Insuring and Crop Insurance

12 Jul 2024

Contributed by Lukas

Nelson talks about using IBC to self-insure, and I can't say it's as easy as some folks make it out to be. With today's costs, it's very hard on the h...

Ep. 257 - Can You Take a Month Off?

05 Jul 2024

Contributed by Lukas

Is your farm setup well enough to take a month off? My business is not. This is definitely something to think about. Audio Production by Podsworth Med...

Ep. 256 - What is the Infinite Banking Concept?

28 Jun 2024

Contributed by Lukas

In this episode, we are diving into the concept of Infinite Banking. Highlighting key points from Nelson Nash's book, 'Becoming Your Own Banker,' the ...

Ep. 255 - Busting More Myths

21 Jun 2024

Contributed by Lukas

Let's bust more myths: companies don't pay claims; premiums increase; companies collapse; whole life is expensive; and any agent can help with IBC. Au...

Ep. 254 - Barn Talk Interview

14 Jun 2024

Contributed by Lukas

I had the privilege of being on the Barn Talk podcast a year ago and want to share that with you guys today. Enjoy! Audio Production by Podsworth Medi...

Ep. 253 - Ways to Use the Infinite Banking Concept

07 Jun 2024

Contributed by Lukas

It's called "infinite" for a reason, and that can be very hard to see when you are only looking down your lane. What are you using money for that you ...

Ep. 252 - More Myths Busted

31 May 2024

Contributed by Lukas

Today we talk about: Are kids' policies better than adults' policies? Am I just selling you something? Should tobacco users forget about having a whol...

Ep. 251 - Banks Have Control

24 May 2024

Contributed by Lukas

Regardless of what you think, the bank has control, and you are the employee of the bank. If they call a note and you don't have the cash to pay that,...

Ep. 250 - What Happens to My Premium Money?

17 May 2024

Contributed by Lukas

This is a common question that I hear, because people think the insurance companies are stealing money. Why? I have no idea... but let's address what ...

Ep. 249 - More Myths Debunked

10 May 2024

Contributed by Lukas

Today we talk about loan interest as a tax deduction; being debt-free but having policy loans; 1035ing cash value; loans for cash flowing assets; and ...

Ep. 248 - Retirement Income

03 May 2024

Contributed by Lukas

Do you have the cashflow to retire, or are you going to live on a prayer? It's a proven fact that people with money live longer. Start looking at your...

Ep. 247 - How Many Policy Loans Can I Take?

26 Apr 2024

Contributed by Lukas

Let's dig into how loans are treated. The best part of IBC is being in control, the worst part of IBC is being in control of your loans. The company t...

Ep. 246 - 3 Types of Interest: Uninterrupted Compounding is King!

19 Apr 2024

Contributed by Lukas

Here is an example of why Uninterrupted Compound Interest is what you want when looking at interest on anything you're saving. Many talk about compoun...

Ep. 245 - Busting 5 More Myths

12 Apr 2024

Contributed by Lukas

You all liked my myth busting before, so here's more! I'll keep the tally rolling. Today we smash myths 6-10! 6. Whole Life insurance is bad because y...

Ep. 244 - What I See vs. What You See

05 Apr 2024

Contributed by Lukas

So many people hear a 30-second clip of me talking about successful farmers and think I am an idiot. Yet, that is what I see. I see success because th...

Ep. 243 - Premium Mindset

29 Mar 2024

Contributed by Lukas

How much you pay is really set on how you are thinking. Rethink your thinking. Audio Production by Podsworth Media - https://podsworth.com 

Ep. 242 - 5 Myths About the Infinite Banking Concept

22 Mar 2024

Contributed by Lukas

Let's bust some myths and let the record be set straight. The five myths we talk about in this episode are: 1. You borrow your money, 2. Premium is po...

Ep. 241 - 5 Things to Scrub from Your Language

15 Mar 2024

Contributed by Lukas

People often use incorrect terminology when they talk about their life insurance policies and IBC. So let's go over the real meaning of the terms: Pul...

Ep. 240 - Remember, It's Liquid!

08 Mar 2024

Contributed by Lukas

It's hard to remember that our cash value is liquid and we get to use it. We have been programmed to think we will never see that money again. Remembe...

Ep. 239 - Build It In

01 Mar 2024

Contributed by Lukas

If you are questioning how you are going to pay for the new piece of equipment, more cattle, or even a life insurance premium, then build it into your...

Ep. 238 - First Half or Second Half?

23 Feb 2024

Contributed by Lukas

The entire book is important; are you reading it all, or just one part of it? IBC is the first half, and life insurance is the second half, so be sure...

Ep. 237 - Book or Beer?

16 Feb 2024

Contributed by Lukas

Where would you rather put your money? So many are not thinking correctly. Rethink your thinking! Audio Production by Podsworth Media - https://podswo...

Ep. 236 - Two Thousand Farmers

09 Feb 2024

Contributed by Lukas

After talking to over two thousand farmers over the years, I may know a thing or two, and I definitely have an opinion on a thing or two. Audio Produc...

Ep. 235 - It's So Hard, You Don't Understand

02 Feb 2024

Contributed by Lukas

It is all simple when you quit making it so hard. Unfortunately, some people are stuck thinking small and have the mindset that everything is just too...