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Artwork for Without the Bank Podcast

Without the Bank Podcast

Mary Jo Irmen
Infinite Banking
Infinite Banking Concept
Whole Life Insurance
Life Insurance
Cash Flow
Financial Planning
Real Estate
Death Benefit
Cash Value
Financial Literacy
Cash Flow Management
Insurance Premiums
Financial Education
Investment Strategies
Universal Life Insurance
Personal Finance
Indexed Universal Life Insurance
401(k)
Debt Management
Life Insurance Policy

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.

PublishesWeeklyEpisodes267Founded5 years ago
Number of ListenersCategories
BusinessInvesting

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Artwork for Without the Bank Podcast

Latest Episodes

Gross income is a sales pitch. Net income is the truth. Here are the questions you need to ask.

👉 Follow Mary Jo Here: www.youtube.com/channel/UCXYvzroUouEMsTGKFw5nJHQ

Everybody's talking about how much money you CAN make. Nobody's talk... more

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 that's the wrong goal entirely?

Today MJ and Tarisa break down the infinite banking con... more

YouTube

$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 — and have nothing to show for it? Most parents will drop $168,000 per child on activities, ... more

YouTube

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 thing your financial advisor doesn't want you to think about: taxes you don't control yet.

more

YouTube

Key Facts

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Number of Listeners
Find out how many people listen to this podcast per episode and each month.

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Recent Guests

Tarisa Shelton
Expert in real estate investing and Infinite Banking
Without the Bank Podcast
Episode: Ep. 212 - Real Estate Views: Banks vs. Investors, w/ Tarisa Shelton

Hosts

Mary Jo
Co-host and lead explainer on Infinite Banking, whole life vs. other products, and practical implementation; often drives policy-based discussions.
Teresa
Co-host focusing on implementation, mindset, and practical application of Infinite Banking concepts

Reviews

4.9 out of 5 stars from 76 ratings
  • glad to have another pod ast to binge since I'm caught up on all my other IBC podcasts

    Audible
    5
    Joseph
    United Statesa year ago
  • Bingeable

    glad to have another pod ast to binge since I'm caught up on all my other IBC podcasts

    Audible
    5
    Joseph
    United Statesa year ago
  • Such a great teacher !!!

    Mary Jo is not only an educator , but she is also fun to listen to . Finances are sometimes difficult for me to comprehend , but she somehow presents it so I can understand … Thank you !!!

    Apple Podcasts
    5
    Mommafox70817
    United States2 years ago
  • energy and delivery is good, so I went through 3 episode and the only take away was everything I'd learn if I read some book.

    Audible
    2
    Patrick Rigg
    United States2 years ago
  • Just an upset to a book

    energy and delivery is good, so I went through 3 episode and the only take away was everything I'd learn if I read some book.

    Audible
    2
    Patrick Rigg
    United States2 years ago

Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

The show often positions life insurance as a robust financial tool, with emphasis on disciplined premium payments.
Audience values independent financial thinking and skepticism toward traditional retirement models.
Listeners appreciate the clear, no-nonsense teaching style and practical math-based demonstrations.

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Talking Points

Recent interactions between the hosts and their guests.

Ep. 223 - Codie Sanchez Meets Infinite Banking
Q: Can we talk about how to buy a business where they have been taking in a lot of cash and not showing income?
She emphasized the importance of verifying financial documents like tax returns and P&Ls to ensure the accuracy of financial statements before purchasing a business.
Ep. 223 - Codie Sanchez Meets Infinite Banking
Q: Does she talk anything about the fact that the younger generation is not seeing the benefit of buying a business versus starting their own?
Ultimately, the younger generation often overlooks the value of acquiring established businesses and may question why they should invest in one instead of starting a new venture from scratch.
Ep. 221 - Don't Bank on Bad Habits
Q: Would you advise starting a policy if someone has significant credit card debt?
Typically, no; I recommend clearing debt first, but there are exceptions based on individual circumstances.
Ep. 221 - Don't Bank on Bad Habits
Q: How would you treat debt differently based on the person's financial habits?
It depends on human factors; if someone has credit card debt but no job, we have a bigger problem beyond the debt itself.

Audience Metrics

Listeners, social reach, demographics and more for this podcast.

Listeners per Episode
Gender Skew
Location
Interests
Professions
Age Range
Household Income
Social Media Reach

Frequently Asked Questions About Without the Bank Podcast

What is Without the Bank Podcast about and what kind of topics does it cover?

A financially focused show that champions self-directed money management and alternative wealth-building strategies, with a strong emphasis on Infinite Banking, dividend-paying whole life policies, and non-traditional approaches to financing. Episodes frequently critique conventional banking, retirement norms, and student debt, while offering practical frameworks, math-based demonstrations, and real-world anecdotes to explain how policy-based funding and disciplined premium payments can impact long-term wealth, tax benefits, and liquidity. The host duo and guests often explore mindset shifts, responsibility, and actionable steps people can take to regain control over their finances, making it valuable for listeners seeking deeper financial ... more

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Which podcasts are similar to Without the Bank Podcast?

These podcasts share a similar audience with Without the Bank Podcast:

1. Farming Without the Bank Podcast
2. Ranchonomics
3. Working Cows - Regenerative Ranching to Maximize Profitability and Soil Health
4. Ranching Returns Podcast
5. Barn Talk

How many episodes of Without the Bank Podcast are there?

Without the Bank Podcast launched 5 years ago and published 267 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on Without the Bank Podcast?

Recent guests on Without the Bank Podcast include:

1. Tarisa Shelton

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