Mary Jo Irmen
Farming Without the Bank Podcast
Welcome to the Farming Without the Bank podcast, the show with a no-B.S. approach to money, hosted by a farm strategy expert and authorized IBC practitioner. Join us as we get real and expose the flaws of traditional financial institutions in order to help farmers take control of their finances, create peace of mind, grow their wealth, and leave a legacy.https://www.farmingwithoutthebank.com/
Be sure to visit the podcast's website and support the creator: www.farmingwithoutthebank.com
Author
Mary Jo Irmen
Category
Podcast website
Latest episode
Oct 23, 2026
Where to listen?
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Episodes
Ep. 177 - Why Funeral Planning is Important 23.12.2022 1:09:08
Since we talk about death a lot on this podcast, let's address why you should be funeral planning for locked-in costs and peace of mind for your loved ones. Audio Production by Podsworth Media.
Ep. 176 - Who Makes Your Decisions? 16.12.2022 21:13
So many folks are being told what they should or shouldn't do with their land. Some even want gov't regulation. Do we really want gov't involved? ...and who gets to decide what you do with your land, how much you sell it for, and to whom? Audio Production by Podsworth Media.
Ep. 175 - Fees 09.12.2022 17:39
People ask about fees, and that is an immediate sign they are not aware of what whole life insurance really is. Let's talk "fees" and what that means. Audio Production by Podsworth Media.
Ep. 174 - Toxic Social Media 02.12.2022 27:07
Abundance can not live where there is scarcity and negativity. I am seeing on social media that negativity is running rampant in the ag industry, and that needs to stop if we want to grow and move forward. Audio Production by Podsworth Media.
Ep. 173 - Keeping It Simple 25.11.2022 27:49
I wrote my book with you in mind, and that is to keep this concept very simple, explain what words mean, and what columns on illustrations mean. It is not hard, yet so many people make it hard. Tune in and hear about what's in the book and why I teach the way I do. Fun little tid bits about me included. Audio Production by Podsworth Media.
Ep. 172 - Client Interview: George and Annaliese Walker 18.11.2022 58:55
This is a super fun interview with two people that are leveraging their farm and truly running it like a business. Learn from their direct-to-consumer business, sell/buy marketing, and custom harvesting business, some done with family and some on their own. After listening, you'll see why continued education matters! Walker Farms is their business, and they welcome you to visit their social media...
Ep. 171 - FAQ's 11.11.2022 18:56
Here are some of the most frequently asked questions and concerns that I have received or come across recently. Audio Production by Podsworth Media.
Ep. 170 - Client Interview: Heidi Terrell 04.11.2022 46:51
Tune in and learn LOTS from Heidi about hanging in there through the tough times with family, running her farm like a business, rotational grazing 100%, and being creative with her IBC policy. Audio Production by Podsworth Media.
Ep. 169 - What Your Meeting With Me Looks Like 28.10.2022 17:55
Here is the in-depth look at what we go over in our hour-and-a-half meeting, as well as what you need to have ready before it. Audio Production by Podsworth Media.
Ep. 168 - Inflation and Security of Life Insurance Companies 21.10.2022 22:47
In this episode, I talk about whether or not an IBC life insurance policy is a hedge against inflation and whether or not life insurance companies are secure during this time, due to pure craziness. I also, at the end, tell you what can stop inflation. (It's really quite simple.) Audio Production by Podsworth Media.
Ep. 167 - Practical Implementation of IBC 14.10.2022 17:22
How to use your cash value for operating and how to track loans. Audio Production by Podsworth Media.
Ep. 166 - Working Genius for Your Business/Farm 07.10.2022 25:16
We often wonder why we are so frustrated with what we are doing or who we are working with. This is a GREAT answer to how to find out where people will excel and how we can understand them. Audio Production by Podsworth Media.
Ep. 165 - Family Farms vs. Family Businesses 30.09.2022 23:55
Is the family farm different than a family business? In this episode, I explore this question, and it just so happens that the two are very similar. Audio Production by Podsworth Media.
Flashback Friday - Pay Taxes or Avoid Taxes? 23.09.2022 20:37
In this flashback episode from November 29, 2019, I lay out when it may be wise to buy something to avoid taxes and when it may be wise to avoid buying things instead. There may be a self-check moment in here as well when I am talking about who's signing that final check for the purchase. Who is running your operation? You, the bank, or the accountant? It's a question you will be able to answer wh...
Ep. 163 - Staying True to IBC 16.09.2022 17:32
If you are using the bank, you are part of the problem. The Infinite Banking Concept has nothing to do with rates of return or banks. Listen in! Audio Production by Podsworth Media.
Ep. 162 - Imagination Makes it Make Sense 09.09.2022 18:54
So many people ask me, "How can I use IBC in my life, and what all can I use it for?" This episode will go over some examples for everyone! Audio Production by Podsworth Media.
Ep. 161 - Where Does Loan Interest Go? 02.09.2022 18:03
There is so much confusion out there around loan interest and where it goes. I try to clear that up in this episode and explain what the company gets, what you get, and where to put it. Keep in mind, life insurance companies are just that, life insurance. They are not providing banking information for IBC. Audio Production by Podsworth Media.
Ep. 160 - Learned vs. Learning 26.08.2022 14:20
People who learn will always beat people who are learned. Are you the person always wanting to learn or the person who thinks you are done learning because you are done with school? If that's not you, I am sure you know those people. Join me as we discuss why lifelong learning and humility are crucial. Audio Production by Podsworth Media.
Ep. 159 - Gabe Brown Interview, Pt. 3 19.08.2022 29:18
With so many of my clients into regenerative ag, I thought it would be a great idea to have Gabe Brown on the show. He gave me as much time as I liked, and I took it. So we have 3 sessions with Gabe! Buckle up; we get into meat and potatoes! There is no fluff about him here! You can hear that in other places!
Ep. 158 - Gabe Brown Interview, Pt. 2 12.08.2022 41:32
With so many of my clients into regenerative ag, I thought it would be a great idea to have Gabe Brown on the show. He gave me as much time as I liked, and I took it. So we have 3 sessions with Gabe! Buckle up; we get into meat and potatoes! There is no fluff about him here! You can hear that in other places!
Ep. 157 - Gabe Brown Interview, Pt. 1 05.08.2022 35:42
With so many of my clients into regenerative ag, I thought it would be a great idea to have Gabe Brown on the show. He gave me as much time as I liked, and I took it. So we have 3 sessions with Gabe! Buckle up; we get into meat and potatoes! There is no fluff about him here! You can hear that in other places!
Ep. 156 - The Unseen of Generational Wealth 29.07.2022 18:16
As we create generational wealth, we forget that we still have the cash value to use and money sitting in the bank, should we pass. This is powerful when we talk about creating wealth. Audio Production by Podsworth Media.
Ep. 155 - What Does the Ag Industry Want? 22.07.2022 14:48
Many folks tell the younger generation to not farm and then those same people get mad that Bill Gates and China are buying up lots of land. What do we want? Farmer or not? Audio Production by Podsworth Media.
Ep. 154 - Good Agents Matter 15.07.2022 27:32
Why it makes a difference to have good agents and companies to work with when using IBC. Audio Production by Podsworth Media.
Ep. 153 - Wills, Trusts, and Controlling from the Grave 08.07.2022 46:22
If we are going to save family farms, we must plan correctly, and doing that with a trust will avoid any extra costs and allow you to make sure it stays in the right hands. Heidi Olson is a succession planner and trust officer who shares with us some good starting information on what needs to be done.
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