We get several farmers telling us that they
“Got the book a year ago but just read it last night.”
Have you been watching me from afar, reading my blogs or even have the book but never read it?
Better yet, you’ve read the book and had questions, but never called to schedule an appointment for various reasons?
Let me ask you one more very important question.
If we were having this discussion three years from today, and you were looking back over those three years, what has to have happened in your life, both personally and financially, for you to feel happy with your progress?
Many wait to call me or watch from afar, yet every day, month and year that goes by without change leads to the same outcome. Funny thing is I have proof that this lack of change has been happening for over 100 years.
As you see below, I have a t-shirt that Farm Credit gave out celebrating their 100 year anniversary. Wow, proof that a 100 years can fly by and we have missed out on some change.
The change happened with farm equipment, types of seed, chemical, better nutrition for livestock, etc but it never happened for finance.
Would you agree that farm finance is the biggest portion of your operation’s decisions?
If so, why are you allowing it to be the same as it was 100 years ago?
I had a farmer ask me if he should let some leased land go and farm less, he may be able to make more money. We talked about it and I didn’t have the answer for him as I don’t tell people how to farm or manage books.
He made a statement that in the past farmers had to have more ground to make more money but with today’s seed technology you don’t have to do that. The bushels/acre are there so now farmers can be picky with their ground.
Better ground is what matters. That is a true statement (as far as I know from what I know about seed) and think how that technology and advanced has changed the farming industry.
What would happen if you used that same “technology” and applied it to your money?
Your money would grow and you would be more profitable.
Take this same desire for change and apply it to your money.
Ask yourself where you will be in three years if you don’t start today.
Can you afford another three years like you’ve had?
Do you want to keep repeating the cycle of borrowing with every commodity market drop and fighting with the banker every few months?
We so easily forget the pain and become complacent.
Where will you be in three years?
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