Podcast Episode Details

Ep. 319 - Passion for the Underdog

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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 Jo gets loud (for good reason) to protect the underdog in agriculture.

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https://www.farmingwithoutthebank.com/book/

In this episode, Mary Jo calls out predatory consulting in ag, breaks down why cash flow beats fancy paperwork, and shows how real Infinite Banking is done—ethically, transparently, and with education.

From breaking out your enterprises to negotiating with banks and choosing the right rooms for growth, this is a wake-up call for producers tired of being taken advantage of.

Key Takeaways:

• If you're paying big fees and still can't read your P&L or balance sheet, you're being shortchanged.
• Break out every enterprise (cattle, custom work, farming, trucking) to see what actually makes money.
• Cash flow first. Don't go back to the bank without a plan that funds itself.
• Watch your operating note rate, many should be ≤ ~8.5%; push back on 9–10%+ and refinance where possible.
• Infinite Banking is not just any life policy; it requires expertise, proper design, and ongoing education.
• Choose rooms where you're the smallest producer—learn up, don't level off.
• Nice folks get exploited; learn to advocate for yourself (or bring someone who will).

Chapters

Published on 1 month, 3 weeks ago