HeyJaredFarming 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…
- Indexed episodes, last 90 days
- 13
- Latest publication
- Sep 25, 2026
- Audience
- Checking…
- Earliest in this view
- Jul 3, 2026
Latest episodes
When It Actually Makes Sense to MEC Your Life Insurance (Ep. 373) (opens the original)
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Is a MEC really as bad as everyone in infinite banking says? In Farming Without the Bank Episode 373, Mary Jo Irmen and John Hasche break down when a Modified Endowment Contract actually makes sense. Most life insurance agents will tell you: never MEC, never MEC, never MEC. But what if you just sold a dairy, a farm, or a business and have a one-time lump sum of $2-3 million with no future cash flow to pay premiums? Mary Jo and John walk through a real client case study — 54-year-old son and 82-y
Why the Generational Bickering in Farming Has to Stop (Ep. 372) (opens the original)
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Are boomer farmers actually greedy? Or are younger farmers stuck in victim mentality? In Episode 372 of Farming Without the Bank, Mary Jo Irmen tackles the generational war in agriculture head-on — silent generation, boomers, Gen-X, millennials, and Gen Z. Young farmers say boomers are greedy for wanting top dollar for land. Boomers say millennials and Gen Z are lazy. Both sides are wrong. Mary Jo breaks down why farmland is retirement, how auctions set the price, why no one owes you a discount,
Trolls vs. Productive People: Who Wins? (Ep. 371) (opens the original)
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It's TROLL DAY on Farming Without the Bank Ep 371 with Mary Jo Irmen — and the trolls brought their best hate comments. Mary Jo reads them all and answers back: charging her own son 9% interest (vs 11% at the bank), helping a client farm 6,000 acres from scratch, why dividend-paying whole life insurance beats parking cash, and why the rich get richer when money is redistributed. If you've ever been told "never finance anything," "never charge your kids interest," or "no one buys a farm as an inv
Stop Lending to Your Kids From ONE Policy (Do This Instead) (Ep. 370) (opens the original)
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Lending money to your kids from ONE policy is a recipe for a family fight. In this episode, Mary Jo Irmen shares 2 creative strategies she used this week to solve real client problems around kids, money, and fairness. If you have 3 kids and help one start a business and another go to college — how do you make it fair to the third kid when you die? And what do you do when your 16-year-old has $30K from 4-H/cattle sales but can't own a policy or do extra premium in year one? Mary Jo breaks down ex
Why Farmers Stay Broke & How to Actually Keep More of Your Money (Ep. 369) (opens the original)
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Mary Jo's back with three money topics every farmer and rancher needs to hear. The thread running through all of them: it's not how much money you make — it's how you USE it. In this episode: the private equity news making headlines in the life insurance world (and why Mary Jo's clients don't need to panic), the "no medical exam up to $4 million" hook being pitched to farmers on Instagram, and the scarcity mindset that's holding back the entire agriculture industry — including why letting your h
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