Farming Without the Bank

Farming Without the Bank Showing farmers how they can reuse principal & recover lost interest that would otherwise go to banks

Teaching farmers and rancher how to create a money supply that does not include the local banker. This allows our hard working, food producing American's ways to save interest banks are taking and create a financial freedom they lose to banks.

"If you can't manage a dollar, you can't manage a million." 👀Mary Jo tackles three topics this episode: the private equi...
09/03/2026

"If you can't manage a dollar, you can't manage a million." 👀

Mary Jo tackles three topics this episode: the private equity news shaking up life insurance (and why her clients don't need to panic), the "$4 million, no medical exam" pitch farmers are seeing on Instagram, and the scarcity mindset holding agriculture back, including why letting your hired man run a few cows might be one of the smartest moves you make.

Watch the full episode of 369 through the link in the comments.

09/03/2026

Who has done the Section 180 tax deduction? Who helped with that? Farm Ground or Pasture?

Harvest is about to start for most of you.Straight to town, or into the bin this year?Let's talk.
09/02/2026

Harvest is about to start for most of you.
Straight to town, or into the bin this year?
Let's talk.

Sold calves in October to make the January payment. What happens to that plan if you're not the one making the calls nex...
09/01/2026

Sold calves in October to make the January payment. What happens to that plan if you're not the one making the calls next year?
A life insurance policy built right does more than pay out if you're gone. It's a system you can borrow against right now, for the note, for ground, for whatever the bank usually gets asked for first.

September's Life Insurance Awareness Month. Good time to look at what your policy is actually doing for the operation while you're still running it.

What's it doing for you right now?

08/31/2026

Long-term care planning that treats men and women the same is missing something important. 😳

Women face significantly higher odds of developing Alzheimer's than men, and they're statistically more likely to be the surviving spouse, which means more years where they may need care alone. This is exactly why a one-size plan doesn't hold up.

Has your family's plan actually accounted for this? Let us know in the comments. 👇

Watch the full episode of 368 through the link in the comments.

08/29/2026

Enough with the whining about how hard farming is and how nobody cares about the next generation. 👀

There are 60 and 70-year-olds right now actively figuring out how to pass the farm off the right way. In 20 years, agriculture is going to look completely different, because the people taking over are planners, not complainers.

Watch the full episode of 368 through the link in the comments.

08/27/2026

Met with a 10 yr old today. He had his mom schedule a meeting for him.
This kid is going places.

The biggest threat to your farm's legacy isn't the bank. It's an unplanned long-term care event. 😳There's a 91% chance y...
08/27/2026

The biggest threat to your farm's legacy isn't the bank. It's an unplanned long-term care event. 😳

There's a 91% chance you or your spouse will need care, and it can run $8,000 to $15,000 a month, fast enough to eat through a lifetime of assets. Long-term care expert Michelle Prather joins Mary Jo to break down how modern coverage actually works and how to fund it tax-efficiently, sometimes saving six figures. "My house is already on fire" is no time to shop for coverage.

Watch the full episode of 368 through the link in the comments.

You built something worth passing down.Land. Hard work. Equity. None of it guarantees your family keeps it. Without a re...
08/26/2026

You built something worth passing down.
Land. Hard work. Equity. None of it guarantees your family keeps it. Without a real transfer plan, most of what one generation builds gets lost by the next, not from bad luck, but from no system in place.
Generational wealth isn't inherited by accident. It's engineered, no bank required.

What's the one thing you're most worried about when it comes to passing down what you've built?

08/25/2026

Half a million dollars of term insurance on her husband's policy. One letter in the mail later, it either triples in price, converts to whole life, or drops off entirely. 😳

She lost that half a million in death benefit overnight, because term insurance was only ever built to last a certain period of time.

Watch the full episode of 367 through the link in the comments.

Address

PO Box 2351
Bismarck, ND
58502

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

(701) 751-3917

Website

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