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Farmers Aren’t Getting The Farm Bill Money You Think They Are (Ep. 379)
Farmers are NOT getting $129 billion. In Ep 379 of Farming Without the Bank, Mary Jo Irmen breaks down the real farm subsidy numbers. Out of the $129.6 billion Farm Bill, only $27.9 billion goes directly to farmers. $101.7 billion goes to SNAP / food stamps. So why...
Previous Episodes
What If the Cattle Market Collapses? Why Debt-Free Isn’t Enough (Ep. 378)
Your CPA isn't being difficult — they've just never been taught how this works. In Ep. 378, Mary Jo Irmen answers the question she gets more than any other: how does money actually flow through a whole life policy? She walks the full loop out loud: income comes in,...
5 Things Successful Farmers Do Differently (And 1 Bonus) (Ep. 377)
They weren't given the farm. They just think differently. In Episode 377 of the Farming Without the Bank podcast, Mary Jo Irmen breaks down the 5 things she sees over and over in her most successful farm and ranch clients — the things that separate the top 3% from the...
Farmers Are Going Broke Trying to Avoid Taxes (Ep. 376)
It's that time of year — everything's on sale for tax purposes. But is buying that $300,000 piece of equipment to save $36,000 actually keeping you broke? Mary Jo breaks down why avoiding taxes is the #1 reason farmers struggle with cash flow, how tiered taxes really...
Local Agent vs Expert: Why Face-to-Face is Costing Farmers Money (Ep. 375)
Is it really THAT easy to borrow against life insurance? Yes — and Mary Jo Irmen proves it in this Farming Without the Bank Q&A. Mary Jo answers the comments from her Farming for Profit clip, breaks down exactly how a policy loan works when structured correctly...
What Real Client Meetings Can Teach Us About Farm Estate Planning (Ep. 374)
Real meetings, real numbers, real lessons. Mary Jo recaps recent client meetings — from a 64 and 65-year-old couple buying land for their boys, to a 22-year-old starting with a $4,000 policy, to $100,000+ policies. You'll hear why leaving land without a plan leaves...
When It Actually Makes Sense to MEC Your Life Insurance (Ep. 373)
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,...

