Do people really think they have the right to be rude online? This episode is a raw, unfiltered look at what content creators actually deal with behind the scenes—and why sometimes, blocking is the only option.

Follow Mary Jo Here: https://www.youtube.com/@MaryJoIrmen...
Get the book: https://www.farmingwithoutthebank.com/book...

In this episode, Mary Jo addresses the rising wave of internet trolls, negative comments, and online bullying. From accusations about insurance strategies and retirement planning to criticism about farming, excess money, and even parenting decisions, nothing seems off-limits for keyboard warriors.

But here's the truth: creators have the right to protect their space.

Mary Jo breaks down real comments she's received, explains the misconceptions around 401(k)s, Roth contributions, Medicare penalties, farming profitability, and the Infinite Banking concept—and shares why mindset matters more than ever.

If you've ever wondered why creators delete comments or block followers… this episode explains it all.

Key Takeaways:
- You don't have the right to be rude just because you're online
- Why creators delete and block negative commenters
- How retirement withdrawals can increase Medicare premiums
- The danger of assuming you "know it all" from one post
- Why mindset—not circumstances—often determines financial outcomes
- The real cost of online bullying for creators

Chapters:
(00:00) – Do You Have the Right to Be Rude?
(02:00) – Why Are People So Angry Online?
(07:15) – 401(k) Withdrawals & Medicare Penalties Explained
(13:20) – "What Excess Money?" Farming & Financial Reality
(17:50) – Charging Kids Interest & Financial Lessons
(24:30) – "Why Isn't the Book Free?"
(28:23) – Why I Delete & Block Trolls

If you're here to learn and grow, thank you. Be part of the solution, have productive conversations, and scroll past what you don't agree with.

Grab your copy of the book here:
https://www.farmingwithoutthebank.com/book...

Share this episode with someone who needs to hear it—and remember: be a good human.

🚨 Universal Life Insurance EXPOSED 🚨

Is Universal Life, Indexed Universal Life, or Variable Universal Life really the powerful wealth tool it's marketed to be? In this episode of the Farming Without the Bank podcast, Mary Jo dives deep into why universal life policies often fail, drawing directly from Nelson Nash's Warehouse of Wealth and decades of real-world experience.

👉 Follow Mary Jo Here: / @maryjoirmen

👉 Get the book: https://www.farmingwithoutthebank.com...

If you've ever been pitched an IUL with "great returns" and "no downside," this episode is a must-watch before you sign anything.

Universal Life was designed as a "better mousetrap," but history shows a very different outcome. From rising costs of insurance to disappearing guarantees, Mary Jo breaks down why most UL, VUL, and IUL policies eventually collapse—often right when people need them most.

Using Nelson Nash's insights and Todd Langford's Truth Concepts analysis, this episode explains how risk is shifted from the insurance company to you, the policyholder.

🔑 Key Takeaways

Why Universal Life policies often lapse between ages 60–80
How non-guaranteed costs and mortality charges destroy cash value
The "double pain" effect during market downturns
Why caps, participation rates, and missing dividends matter
How UL shifts risk from the insurer to the insured
Why Whole Life offers liquidity, control, and guarantees

⏱️ Chapters

00:00 – Why Universal Life Looks Good (At First)
02:12 – The History of Universal Life Insurance
05:35 – The Side Fund & Why It Falls Apart
08:20 – Double Pain: Market Losses Explained
11:11 – Caps, Participation Rates & Missing Dividends
14:29 – Guarantees Can Change (And Disappear)
18:36 – Why Whole Life Wins Long-Term

📚 Resources Mentioned

Warehouse of Wealth – Nelson Nash

Truth Concepts Calculators – https://truthconcepts.com

The Battle for the Soul of Capitalism – John Bogle

Pirates of Manhattan I & II – Barry James Dyke

Farming Without the Bank: https://farmingwithoutthebank.com

📩 Ready to Learn More?

📧 Email questions to: maryjo@withoutthebank.com

📖 Read the book before scheduling an appointment
📅 Let's see if Infinite Banking is right for you

👉 Subscribe and share this episode with anyone considering an IUL or Universal Life policy.

Insurance premiums doubling… tripling… and companies still denying claims. Should you just self-insure and be done with it—or will that decision wreck your finances when disaster hits?

In this episode of Farming Without the Bank, we dig into Chapter 8: Building Your Warehouse of Wealth and talk about what self-insuring really looks like using cash value life insurance, and where it absolutely does not make sense to go it alone.

🔍 What You'll Learn

When it actually makes sense to self-insure vs. when you're just gambling

How Nelson Nash used dividend-paying whole life to self-insure comp & collision

Why auto and homeowners insurance costs are exploding (it's not just "greedy companies")

The ugly side of health insurance: denials, subsidies, and better options people are using

Why crop insurance is subsidized and what that means for your farm risk

How to start building your own "warehouse of wealth" so you're less dependent on traditional insurance

🧾 Key Takeaways

Self-insuring is not "going naked." It means building a pool of capital (like cash value in whole life) large enough to handle losses without destroying your lifestyle.

If you drop comp & collision but spend the premium, you're not self-insuring—you're just hoping nothing happens. That premium needs to be redirected into an asset (like whole life).

Auto and home claims are more frequent and more expensive—sensors, cameras, tech, and repair costs all push premiums up.

Some people can self-insure their home or health because they are debt-free, frugal, and have a plan for where they'd live or how they'd get care. Most people don't.

Health insurance has become a racket for many: denials, crazy premiums, and poor care. That's why some are choosing health sharing or direct primary care subscription models.

Crop insurance is subsidized because actuaries can't collect enough premiums to cover catastrophic events without help. And like it or not, everyone is getting some kind of subsidy (child tax credits, mortgage interest, etc.).

You can choose to self-insure some things, but you must run the numbers and understand the risk, not just react to high premiums.

⏱️ Chapters

(00:00) – Can You Really Self-Insure? (story + crop example)

(00:46) – Nelson Nash on Self-Insuring Comp & Collision

(02:54)– Why Auto Insurance Is So Expensive Now

(06:01) – Self-Insuring Home & Health: Who Can Really Do It?

(10:56) – Crop Insurance, Actuaries & Government Subsidies

(16:23) – Final Thoughts & How to Run Your Numbers

If you're tired of feeling trapped by rising insurance premiums and guessing about self-insuring:

👉 Subscribe for more episodes of Farming Without the Bank
📆 Read the book and book a call, and let's see what self-insuring could look like mathematically for your farm or ranch.

💻 Work with Mary Jo:
Get your copy of Farming Without The Bank, read it, and then schedule your appointment so we can look at what this strategy could mean for your operation and your numbers. No pressure, just a real conversation.

📩 Have questions? Email Mary Jo: maryjo@withoutthebank.com