Shows / Without the Bank Podcast
Without the Bank Podcast
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.
Episodes
Without the Bank PodcastWhat Everyone Gets Wrong About Nelson Nash's "Becoming Your Own Banker" Book (Ep. 293)
Infinite banking has a reading problem, not a math problem. In this episode I clear up what people get wrong after reading Nelson Nash's Becoming Your Own…
Without the Bank PodcastI Asked AI About Infinite Banking; Here's Who Got It Right (Ep. 292)
What is AI saying about Infinite Banking — and can you trust it? In Episode 292 of Without the Bank, Mary Jo Irmen puts 4 major AIs to the test on the Infinite…
Without the Bank PodcastYou Can't Do Infinite Banking If You Don't Know Your Numbers (Ep. 291)
You can't get away from the bank if you don't know your numbers. Mary Jo Irmen shares a business-owner to business-owner nudge for blue collar and small…
Without the Bank PodcastLife Insurance Explained: Murder, Claims, & Who Really Gets Paid (Ep. 290)
Everyone thinks they understand life insurance — until a murder, a denied claim, or an ex-spouse getting paid proves they don't. In this episode of Without the…
- Without the Bank Podcast
The Shocking Truth About the Federal Reserve's Impact on Your Money (Ep. 289)
Mary Jo recaps two big things: a must-read book for understanding our money system, and her refresher training in Houston on the Truth Concepts calculators. If…
Without the Bank PodcastWhy You Should Keep Your Life Insurance (Even When Money Is Tight) (Ep. 288)
Life Insurance Is NOT A Luxury. Thinking about canceling your life insurance when money gets tight? In this episode of Without the Bank, Mary Jo Irmen explains…
Without the Bank PodcastHow to Finance a Rental Property: DSCR Loans vs. Conventional (Ep. 287)
Are Credit Scores Actually Necessary for Real Estate Investing? Jordan Nutter at NFM Lending is back with Mary Jo Irmen for Part 2 - to break down investment…
Without the Bank PodcastHow to Build a Brand That Actually Lasts (Ep. 286)
Struggling with marketing that never seems to pay off? In Ep. 286 of the Without the Bank podcast, host Mary Jo Irmen sits down with her longtime marketing…
Without the Bank PodcastIs Airbnb Dead? 20-Year Investor Exposes the Truth About Short-Term Rentals (Ep. 285)
Is Airbnb DEAD? Not even close — but most investors are playing it completely wrong. 20-year real estate veteran Shawn Moore (Founder & CEO of Vodyssey -…
Without the Bank PodcastWhy Infinite Banking 'Didn't Click' (And How to Fix It) (Ep. 284)
Infinite banking "didn't click" the first time? You're not alone. In this episode Mary Jo breaks down the exact misconceptions that hold people back — and the…
Without the Bank PodcastThe Real Numbers Behind Infinite Banking (It's Not What You Think) (Ep. 283)
Has your accountant "never heard of" infinite banking and your financial advisor calls whole life insurance a "scam"? In this episode, Mary Jo Irmen pulls up…
Without the Bank PodcastYou'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…
Without the Bank PodcastMortgage 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…
Without the Bank PodcastGot 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…
Without the Bank PodcastYour 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…
Without the Bank PodcastThe 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…
Without the Bank PodcastThe 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…
Without the Bank Podcast5 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…
Without the Bank PodcastCan 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…
Without the Bank PodcastIs Infinite Banking Too Good to Be True? Answering the Hardest IBC Questions (Ep. 274)
Is Infinite Banking too good to be true? We're answering the hardest IBC questions every entrepreneur asks. In this episode of Without the Bank, Tarisa takes…
Without the Bank PodcastThe Dangerous Question Your Financial Agent Is Ignoring (Ep. 273)
The expertise of your financial advisor is paramount. A truly effective advisor asks insightful questions about your entire financial management journey…
Without the Bank PodcastIt Sounds Like Free Money... But Is It? (Ep. 272)
Is your 401k employer match really free money? We break down how the match actually works and what nobody tells you. We're diving into the critical topic of…
Without the Bank PodcastThe 401k Deal Nobody Would Take | Average vs Actual Returns (Ep. 271)
Your 401k says 25% average return — but your actual return could be zero. Here's the math. 👉 Find more Without the Bank here…
Without the Bank PodcastYour Spouse Dies — Now What? The Life Insurance Gap Nobody Warns You About (Ep. 270)
What happens to your family the day you're gone — not financially, but humanly? 👉 Follow Mary Jo Here: https://www.youtube.com/channel/UCXYvzroUouEMsTGKFw5nJHQ…
Without the Bank PodcastWhy the Wealthy Never Stop Buying Life Insurance (Ep. 269)
Paul Atkins owns 54 life insurance policies — and it reveals everything financial gurus miss. 👉 Follow Mary Jo Here…
Without the Bank PodcastYour 401k Isn't as Accessible as You Think (Ep. 268)
The 401k access rules they never taught you — RMDs, hardship withdrawals, loans & hidden costs. 👉 More Without the Bank Here…
Without the Bank PodcastGross Income Is a Lie — Here's What to Ask Instead (Ep. 267)
Gross income is a sales pitch. Net income is the truth. Here are the questions you need to ask. 👉 Follow Mary Jo Here…
Without the Bank PodcastWhy Being Debt-Free Could Leave You Broke (And What To Do Instead) (Ep. 266)
Is debt-free the wrong goal? Discover how your life insurance policy works like your own bank. Most people spend their lives chasing "debt-free" — but what if…
Without the Bank PodcastStop Wasting $168,000 on Youth Sports; Do This Instead (Ep. 265)
$168,000. Gone.That's what most parents spend on youth sports — no savings, no scholarship, no return. Are you spending $12,000 a year on your kids' sports —…
Without the Bank PodcastThe 401k Tax Bomb Nobody is Talking About (Ep. 264)
Your 401k could lose over HALF its value before you retire — and nobody's telling you this. In Part 2 of our 401k Half-Truths series, we break down the one…
Without the Bank PodcastWhy Life Insurance Is Not Optional (Ep. 263)
Most families don't realize the true cost of losing a loved one—until it's too late. 👉 Follow Without the Bank here…
Without the Bank PodcastWhy Your 401(k) Isn't Growing Like You Think (Ep. 262)
The hidden 401(k) fees quietly eroding your retirement by hundreds of thousands. 👉 Follow Without the Bank here…
Without the Bank PodcastPaying Cash is Costing You Millions (Ep. 261)
Paying cash feels responsible. It feels safe. But what if paying cash is actually costing you millions of dollars over your lifetime? Using a simple long-term…
Without the Bank PodcastThe Truth About "No Money Down" Mortgages (Ep. 260)
Buying a home with little or no money down sounds like the perfect shortcut to homeownership. But what most young buyers don't realize is that many "down…
Without the Bank PodcastIs College a Financial Trap? The Real Cost Parents Never Calculate (Ep. 259)
Is a college degree actually worth the cost — or are parents sacrificing their financial future so their kids can party for four years? In this episode, we…
Without the Bank PodcastBanks Push Interest Rates Because They Fear This Alternative (Ep. 258)
Are "cheap" bank loans really cheap? And are you asking the wrong question about the rate of return? In this episode, we break down pages 68–70 of Becoming…
Without the Bank PodcastRetirement Means "Taken Out Of Service" - And That's The Problem (Ep. 257)
Is retirement really the dream… or is it a trap? In this episode, we break down Part 5 of Becoming Your Own Banker and tackle two powerful ideas: capitalizing…
Without the Bank PodcastBuild Your Banking System Before You Buy Your Next Vehicle (Ep. 256)
If you're going to own a fleet of vehicles, why wouldn't you finance them through your own banking system instead of the bank's? In this episode of Without the…
Without the Bank PodcastInsurance Companies Are Denying More Claims Than Ever—Here's Why (Ep. 255)
Insurance premiums keep rising—but claims are getting denied. So the big question is: does self-insuring actually make sense, or is it a risky move most people…
Without the Bank PodcastDividends vs. Interest: The Retirement Income Game Changer (Ep. 254)
What if two people saved the exact same amount of money... but one retired with nearly $900,000 more than the other? The difference wasn't discipline — it was…
Without the Bank PodcastYour Retirement at 65 Was Built On a Flawed Assumption (Ep. 253)
Most people are taught to buy term insurance and invest the rest—but what if that advice is based on a massive misunderstanding of how life insurance actually…
Without the Bank PodcastYou Already Know Enough (So Why Aren't You Wealthy?) (Ep. 252)
Are you collecting financial knowledge... or actually using it? In this episode of Without The Bank, we break down two of the most dangerous (and overlooked)…
Without the Bank PodcastYour Kids' $1,000 Account Has a Catch | Here's Why (Ep. 251)
Is the government really giving kids $1,000… or is there a bigger catch? In this solo episode of Without the Bank (WTB), Mary Jo breaks down the Invest America…
Without the Bank PodcastYour Biggest Business Problem Isn't What You Think (Ep. 250)
Most people think money problems are about income. They're wrong. It's about mindset, discipline, and who controls the capital. In this episode, we break down…
Without the Bank PodcastThe Financial Independence Trap Nobody Warns You About (Ep. 249)
What if your 401(k) isn't really your money? In this episode, we break down Willie Sutton's Law and expose how government-controlled retirement plans quietly…
Without the Bank PodcastSuccess Doesn't Look Like You Think (Ep. 248)
Most people don't have a money problem… they have a Parkinson's Law problem. Your expenses quietly rise, your "extra" money disappears, and the timeline for…
Without the Bank PodcastWhole Life vs. UL/IUL: Why Guarantees Win (Ep. 247)
You're financing everything you buy… even when you pay cash. 🤯 In this episode, we break down how to create your own banking system using dividend-paying whole…
Without the Bank PodcastWhy You Don't Need $20 Million to Start Your Own Bank (Ep. 246)
Most people assume you need $20 million, a bank charter, a building, employees, and 10 years before a bank ever makes a profit. But Nelson Nash reveals a far…
Without the Bank PodcastStop Chasing APR—What Really Drains Your Wealth (Ep. 245)
Think you control your money because you have a 401(k), IRA, or a checking account? In this episode, we unpack the real problem in Becoming Your Own Banker…
Without the Bank PodcastWhy Your Policy Fails: The Grocery Store Money Lesson (Ep. 244)
Most infinite banking policies don't fail because of the insurance company… they fail because of human behavior. Are you quietly stealing the peas from your…
Without the Bank PodcastHow One Family Lost $1.2M to College Tuition (Ep. 243)
Are you still paying cash for big expenses like college tuition, remodels, or vehicles? You might be losing hundreds of thousands — even millions — without…
Without the Bank PodcastKyle Busch Lost $8.5M... But It's Not What You Think (Ep. 242)
Kyle Busch just sued Pacific Life Insurance for $8.58 million, claiming he was misled by an Indexed Universal Life (IUL) policy. But what if this high-profile…
Without the Bank PodcastHard Times Built Infinite Banking — Here's the Lesson You're Missing (Ep. 241)
Starting an IBC policy when everything feels worst? That's exactly how Nelson Nash discovered Infinite Banking, when bank rates hit 23% and leverage turned on…
Without the Bank PodcastAre You Saving Money the Wrong Way? (Ep. 240)
Feel "broke" even though you've got money in savings and retirement? You might be trapped by compartmentalized thinking, paying 25–30% on credit cards while…
Without the Bank PodcastThe Secret to Using the Same Dollar Twice (Legally) (Ep. 239)
What if you could use the same dollar twice, to buy your dream car today and still have it grow for your retirement tomorrow? In this episode, we uncover the 7…
Without the Bank PodcastHow the Wealthy Make Their Money Work Twice as Hard (Ep. 238)
Most people obsess over "rate of return", but they miss the banking process that controls every dollar in their life and how to leverage that same dollar to…
Without the Bank PodcastLessons Learned in the IBC Journey (Ep. 237)
"You don't make money by taking loans, you make money by paying premiums." In this candid episode, we unpack the biggest lessons from our Infinite Banking…
Without the Bank PodcastEp. 236 - Compound vs. Uninterrupted, the Sequel
Mary Jo and Tarissa challenge common financial advice about compounding interest. A billionaire may have praised the "power of compounding," but Mary Jo…
Without the Bank PodcastEp. 235 - Big Check or Little Check?
In this episode, Mary Jo delves into the cost-efficiency of life insurance, explaining why it's more beneficial to write smaller premium checks in exchange for…
Without the Bank PodcastEp. 234 - More Than a Policy: Creating Cash Flow When You're Starting from Scratch
Not everyone is ready to start a policy today—and that's okay. In this episode, Mary Jo shares a real story of working with a firefighter/EMT who felt stuck…