Without the Bank Podcast

Mary Jo Irmen
  • 4.9 (48)
  • Investing
  • Updated Weekly

The archaic system of giving up money today, taking on risk, and hoping to retire is B.S. This podcast seeks to help make you responsible for your money and your future. You are the one who cares more about it than anyone else. I am here to help you and provide the honesty you need. No sugar coating. No false claims. Just straight up truth.

  1. 6d ago

    You're Being Trained to Stay Distracted – Here's How to Stop (Ep. 282)

    In this episode, I'm breaking down Outwitting the Devil by Napoleon Hill — the book that changed how I see the world. Hill wrote this in 1938, but it reads like it was written yesterday. His message? 95% of people are drifting through life, and the systems we trust — government, education, even media — are designed to keep us numb. In this review, I get into: 📖 The "drifter" mindset and how to spot it in yourself 🧠 Why focus is the single most powerful asset you have 📱 How modern technology and mainstream culture are literally training us to stay distracted 🎧 Why the audiobook version is a must-experience (two narrators — one as Napoleon Hill, one as the Devil) I've listened to this book on every long drive I've taken, and I've already shared it with my daughter. If you're ready to stop drifting and start paying attention — this one's for you. Audio Production by Podsworth Media - https://podsworth.com

    You're Being Trained to Stay Distracted – Here's How to Stop (Ep. 282)

  2. Aug 6

    Mortgage Red Flags, ARM Loans, Escrow Accounts, & What NOT to Do Before Closing, with Jordan Nutter (Ep. 281)

    Most buyers never see the new construction tax trap coming — until their mortgage jumps $800 overnight. Today we're breaking it all down with no fluff. Mary Jo Irmen sits down with Jordan Nutter, VP of Creator Collective at NFM Lending, for a deep-dive on exactly what lenders don't volunteer — from hidden fees and escrow traps to what you absolutely cannot do with your Social Security number before closing. Whether you're buying your first home or your fifth, this episode will change how you approach your next mortgage. 📌 EPISODE BREAKDOWN: 0:00 – Teaser: When a mortgage jumps $800/month 1:45 – Meet Jordan Nutter (VP, NFM Lending) 4:00 – First-Time Homebuyer 101: Is your rent already a mortgage? 7:00 – The new construction tax trap most lenders exploit 11:25 – Hidden lender fees: origination, discount points, what's real 15:00 – How to compare lenders (and pick BEFORE going under contract) 17:00 – Loan servicing & sold mortgages: what happens after you close 22:35 – The Rocket Mortgage & realtor kickback warning 28:15 – Escrow accounts: should you waive yours? 31:35 – What NOT to do before closing (the SSN rule that saves your loan) 38:43 – Jumbo loans explained 41:10 – ARM loans: when they save you and when they destroy you 45:17 – Assumable mortgages: the buyer's secret weapon right now 49:29 – How to reach Jordan + free consultation 🔗 FIND JORDAN NUTTER: 📱 Instagram, Facebook, YouTube & TikTok: @anotherhomeloan 💬 Free consultation (no charge for the call): schedule through her social profiles 📩 CONTACT MARY JO: maryjo@withoutthebank.com  🔔 New episodes drop weekly. Hit Subscribe so you never miss one. #mortgage #firsttimehomebuyer #homebuying #withoutthebank #mortgagetips Audio Production by Podsworth Media - https://podsworth.com

    Mortgage Red Flags, ARM Loans, Escrow Accounts, & What NOT to Do Before Closing, with Jordan Nutter (Ep. 281)

  3. Jul 30

    Got Unexpected Money? Here's How To Protect It (Ep. 280)

    What should you do when a large sum of money suddenly comes your way? In this episode of Without the Bank, Mary Jo Irmen explains pratical financial strategies and how to think through a lump sum from an inheritance, business sale, real estate transaction, oil or mineral income, death benefit, or other unexpected source of money. Mary Jo compares different ways to structure and manage a lump sum, including IRAs, annuities, CDs, brokerage accounts, and properly designed life insurance. She discusses liquidity, taxes, market risk, required distributions, long-term care, future cash flow, and how your decisions may affect the money you leave to your heirs. The central question is not simply, "Where should I put the money?" It is: "What is this money supposed to accomplish, and how can I structure it around my life, cash flow, and legacy goals?" Mary Jo also shares examples involving oil income, inherited wealth, and a potential $17 million death benefit to illustrate why large sums require careful planning rather than an impulse purchase or a rushed investment decision. Chapters 00:00 Don't Blow the Windfall 00:26 Welcome and Big Money Questions 00:52 What Counts as a Lump Sum 01:27 Small Windfalls and Premium Reality 03:17 Single Premium and Tax Tradeoffs 03:51 Oil Money and Irregular Income 05:29 Where to Park Extra Cash 11:05 Spending Traps and Lottery Lessons 12:47 Skepticism on High Return Promises 17:21 Why Life Insurance Wins Long Term 18:55 Long Term Care and Legacy Goals 21:18 Key Takeaways and Next Steps 📩 Questions? Ideas for the show? Reach out: MaryJo@withoutthebank.com  📘 Grab the Life Without the Bank book and your BYOB book → http://www. withoutthebank.com  🎙️ Know someone Mary Jo should interview? Send it her way! #inheritanceplanning #windfall #financialplanning #businesssuccess #lumpsum #investments #infinitebankingconcept

    Got Unexpected Money? Here's How To Protect It (Ep. 280)

  4. Jul 23

    Your Business Partner Won't Discuss This? It's a Massive Red Flag (Ep. 279)

    What happens to your business if your partner dies tomorrow — and you never had a plan? In Episode 279, Mary Jo breaks down the two most overlooked protection tools every business owner and entrepreneur needs from day one: Buy-Sell Agreements and Key Man (Key Person) Insurance Policies. Whether you're launching a new partnership, running a business with your spouse, or have a single key employee your company can't live without — this episode is your wake-up call. In this episode, Mary Jo covers: Why choosing a business partner is essentially like a marriage (and why you need to treat it that way) What a Buy-Sell Agreement actually is — and why you need one before things go sideways How to use whole life insurance for partner buyouts using Infinite Banking Key Man insurance: what it is, who qualifies, and how it's valued Why your corporation should NOT own the policy (and the tax trap hiding inside) What happens to your business if a partner becomes uninsurable The "head in the sand" problem — why spouses must be financially aware Real-world example: how Mary Jo structured her own cattle partnership agreement using ChatGPT 📌 This episode also includes a personal update on the WTB team! 💡 If you're in a business partnership — or about to enter one — don't skip this episode. 📅 Schedule your appointment: maryjo@withoutthebank.com #InfiniteBanking #BuySellAgreement #KeyManInsurance #BusinessPartnership #LifeInsurance #BusinessSuccessionPlanning #WealthBuilding #EntrepreneurFinance #WithoutTheBank #MaryJoIrmen Chapters: 00:00 Life Insurance Red Flag 00:39 Podcast Updates 01:34 Why Partnerships Fail 04:25 Contracts Save Friendships 06:48 Marriage and Business Risks 08:25 Buy Sell Basics 09:56 Key Person Coverage 12:05 Who Should Own Policies 16:27 Family Must Stay Informed 19:10 Do It Before Trouble 21:56 Wrap Up and Next Steps

    Your Business Partner Won't Discuss This? It's a Massive Red Flag (Ep. 279)

  5. Jul 16

    The Art of Noticing: What The Noticer Taught Me About Marriage & Business (Ep. 278)

    Most people read to check off a list. Mary Jo reads to implement — and The Noticer by Andy Andrews is one of the books that changed how she connects with clients, leads her team, and shows up in every relationship she has. In this episode, Mary Jo breaks down The Noticer and why every business owner should read it. The core idea is simple but powerful: people show you exactly how they want to be treated — through what they do, what they give, and what they value. Are you paying attention? In this episode: Why reading 52 books a year is worthless if you implement nothing How to apply love languages to your client relationships (and why it works) The art of noticing what your employees, clients, and family truly value Real-life examples: a baking friend, a Christmas party, and a broken septic pipe The book about difficult people that frustrated Mary Jo — and why she doesn't recommend it Why you're allowed to quit a book that's not serving you Books mentioned: The Noticer — Andy Andrews The Noticer Returns — Andy Andrews The Traveler's Gift — Andy Andrews 📩 Questions? Ideas for the show? Reach out: MaryJo@withoutthebank.com  📘 Grab the Life Without the Bank book and your BYOB book → http://www.withoutthebank.com  🎙️ Know someone Mary Jo should interview? Send it her way! Chapters: 00:00 Read to Apply 00:41 Podcast Intro 01:16 Why I Review Books 02:08 Why The Noticer Rocks 03:18 Notice People Better 04:26 Gifts and Gratitude 06:49 Business and Employees 10:23 Respect in Marriage 11:51 Matching Client Style 14:10 Bad Books and Quitting 16:48 Reading Without Racing 17:55 Wrap Up and Requests

    The Art of Noticing: What The Noticer Taught Me About Marriage & Business (Ep. 278)

  6. Jul 9

    The Top Infinite Banking Questions Everyone's Asking — Answered (Ep. 277)

    Got questions about the Infinite Banking Concept? Tarisa breaks down the most frequently asked questions about IBC — straight answers, no fluff. In this episode of the Without the Bank Podcast, Tarisa covers everything from insuring your kids first and legacy coverage, to what happens if you miss premiums, how cash value actually grows uninterrupted even while your money is out on a loan, and how to read your policy illustrations like a pro. Whether you're brand new to infinite banking or have been sitting on questions for months — this is the episode for you. Topics covered include: uninsurable family members, age limits for coverage, the truth behind policy loans, and why so many people think infinite banking sounds "too good to be true" — and what the real answer is. 📖 Get Becoming Your Own Banker & Life Without the Bank: https://www.withoutthebank.com/book #InfiniteBanking #InfiniteBankingConcept #WithoutTheBank #InfiniteBankingExplained

    The Top Infinite Banking Questions Everyone's Asking — Answered (Ep. 277)

  7. Jul 2

    5 Money Lies That Are Silently Destroying Wealth (Ep. 276)

    Mary Jo Irmen and Tarisa Shelton break down the top 5 money beliefs that silently hold people back from building real wealth — and share the wealth mindset shifts that will actually change your financial future. Whether you're focused on personal finance, retirement planning, or developing a true wealth mindset, how you think about money determines everything. This isn't mainstream financial advice — it's the financial education most people never get, challenging everything you've been told about money management, cash flow, and wealth creation. If you're struggling with money mindset, wondering why your income never feels like enough, or questioning whether debt is really "normal," this episode is for you. 🔑 Topics include: personal finance tips, wealth building, financial planning, how to use cash flow strategically, why your business or 401k alone isn't a retirement plan, and how to develop a success mindset around money — not just earn more of it. Chapters: 00:00 Wealth Mindset Shift 00:32 Podcast Kickoff 01:11 Number One - "More Income Will Solve My Money Problems" 08:52 Number Two - "Debt is Just a Normal Part of Life" 10:26 Number Three - "My Business is My Retirement Plan" 16:21 Number Four - "Cash is a Waste If Not Invested" 20:15 Number Five - "Money is The Goal, Instead of a Tool to Create Freedom and Security" 22:56 Reading Beyond Mainstream 27:18 Implementation Over Knowledge 28:02 Caffeine Ban Outro

    5 Money Lies That Are Silently Destroying Wealth (Ep. 276)

  8. Jun 25

    Can you really build your own family bank? (Ep. 275)

    What if your family stopped sending money to the bank — and started building your OWN banking system instead? In this episode, Tarisa walks through a REAL 3-generation infinite banking case study: a Tennessee farming family where grandpa, son, and grandson all have policies working for them simultaneously. Here's what the numbers actually show: 📌 Grandpa (started in his 50s): Paid $533K → $774K in cash value + $979K death benefit 📌 Son (started in his mid-20s): Paid $357K → $1.17M in cash value + $1.4M death benefit 📌 Grandson (policy started before age 2): Paid ~$100K → $582K in cash value + $703K death benefit TOTAL: ~$991K paid in premiums → $2.5M+ in accessible cash value This is what the infinite banking concept looks like across generations — a self-sustaining family ecosystem of tax-advantaged, contractually-guaranteed, compounding wealth. In this episode: ✅ Real numbers from a real family (no fluff) ✅ Why it's NOT too late to start in your 50s ✅ The power of starting a policy on your child before age 2 ✅ How inherited death benefits get recycled into the NEXT generation's policies ✅ Why storing money in a properly structured whole life policy beats a bank account 👉 Subscribe Here: https://www.youtube.com/channel/UCXYvzroUouEMsTGKFw5nJHQ  👉 Get the book: https://www.withoutthebank.com/book  0:00 The Numbers That Started It All 0:31 Welcome to Without the Bank 0:47 How Banks Get Rich Off Your Family 2:27 Meet the Tennessee Farming Family 4:46 Setting Up a 3-Generation Banking System 7:19 How Infinite Banking Policies Actually Work 8:35 Generation 1: Grandpa (Starting in His 50s) 10:00 Generation 2: The Son (Starting in His 20s) 11:07 Generation 3: The Grandson (Before Age 2) 12:06 The Legacy Transfer: What Happens When Grandpa Passes 13:14 Total Numbers: $991K Paid → $2.5M in Cash Value 14:40 How to Get Started (Any Budget) 15:49 Building a Family Cash Ecosystem 18:00 Guaranteed Growth & What Happens at Age 121 18:48 Final Thoughts & How to Reach Tarisa

    Can you really build your own family bank? (Ep. 275)
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4.9
out of 5
48 Ratings

About

The archaic system of giving up money today, taking on risk, and hoping to retire is B.S. This podcast seeks to help make you responsible for your money and your future. You are the one who cares more about it than anyone else. I am here to help you and provide the honesty you need. No sugar coating. No false claims. Just straight up truth.

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