In this episode of Dirt and Bull, the team welcomes Mary Jo Irmen, founder of Farming Without the Bank, for a candid and thought-provoking conversation about financial independence in agriculture. Mary Jo doesn’t just preach financial freedom—she teaches farmers how to own it, starting with becoming their own banker.

Growing up on a farm in North Dakota, Mary Jo saw firsthand how traditional lending models often work against the long-term success of farmers. Today, she helps producers take control of their money and legacy through a system rooted in whole life insurance, tax strategy, and common sense. Her goal? Help farmers keep more of what they earn—and stop relying on banks that don’t understand ag.

The conversation dives into practical topics: how to plan for generational transfer, avoid unnecessary taxes, and make smarter financial decisions that don’t sabotage your operation. Mary Jo challenges farmers to stop flying blind with their books and start treating their farm like a business that deserves respect—and a future.

Whether you're deep into succession planning or just trying to get a grip on cash flow, this episode will shift your mindset. Mary Jo Irmen brings clarity, confidence, and a proven strategy to an industry that too often leans on tradition instead of transformation.

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