Rephonic
Artwork for Without the Bank Podcast

Without the Bank Podcast

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

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.

PublishesWeeklyEpisodes295Founded6 years ago
Number of ListenersCategories
InvestingBusiness

Listen to this Podcast

Artwork for Without the Bank Podcast

Latest Episodes

Here's why giving your kids money in their 20s and chasing passive income too early will leave you broke.

Mary Jo breaks down "Die With Zero" and its big ideas: maximize life experiences not net worth, give inheritance away in your 20s and 30s not ... more

Someone commented "scam" on my ad, said whole life insurance is a ripoff — so I asked him WHY. 24 hours later... still no answer. In Episode 294 of Without the Bank, I'm breaking down what whole life actually is (and isn't), plus why my blue collar v... more

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 Banker — starting with the idea that you can only fund a policy for four years.

If you've rea... more

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 Banking Concept: Google Gemini, ChatGPT, Grok, and Claude. She ranks them best to worst,... more

Key Facts

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

Similar Podcasts

People also subscribe to these shows.

Ranchonomics
RanchonomicsJohn Haskell, Ranch Right LLC
Farm4Profit Podcast
Farm4Profit PodcastDavid Whitaker, Corey Hillebo, Tanner Winterhof

Recent Guests

Mike Brevik
Founder/CEO of Cyberdogz Marketing
Cyberdogz Marketing
Episode: How to Build a Brand That Actually Lasts (Ep. 286)
Shawn Moore
Founder and CEO of Vodyssey
Vodyssey
Episode: Is Airbnb Dead? 20-Year Investor Exposes the Truth About Short-Term Rentals (Ep. 285)
Jordan Nutter
Vice President of Creator Collective for NFM Lending
NFM Lending
Episode: Mortgage Red Flags, ARM Loans, Escrow Accounts, & What NOT to Do Before Closing, with Jordan Nutter (Ep. 281)
Mary Jo
Top life insurance producer in independent life insurance
Independent life insurance
Episode: Is Infinite Banking Too Good to Be True? Answering the Hardest IBC Questions (Ep. 274)
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
Host of Without the Bank Podcast
Tarisa
Host of Without the Bank Podcast

Reviews

4.9 out of 5 stars from 79 ratings
  • glad to have another pod ast to binge since I'm caught up on all my other IBC podcasts

    Audible
    5
    Joseph
    United States2 years 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 States2 years 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.

Listeners praise the coaching style and practical illustrations of concepts.
Episodes are binge-worthy and help demystify IBC and other financial tools for everyday money management.
Mary Jo is clearly passionate about financial education and makes complex topics accessible.
Readers appreciate the honest, no-nonsense approach and real-world examples.

Top Investing Podcasts

The Ramsey Show
The Ramsey ShowRamsey Network
Prof G Markets
Prof G MarketsVox Media Podcast Network
Financial Audit
Financial AuditCaleb Hammer
Odd Lots
Odd LotsBloomberg
Money Guy Show
Money Guy ShowBrian Preston and Bo Hanson

Talking Points

Recent interactions between the hosts and their guests.

How to Finance a Rental Property: DSCR Loans vs. Conventional (Ep. 287)
Q: How important are rent comps and the agent's role when applying for a DSCR loan?
Rent comps are critical because DSCR lenders use them to estimate the property's ability to cover debt service. A skilled agent provides credible, supported projections that influence loan approval, interest rate, and whether the deal pencils at all.
How to Finance a Rental Property: DSCR Loans vs. Conventional (Ep. 287)
Q: What are the main differences between DSCR loans and conventional financing for investment properties?
DSCR loans focus on the property's projected income and debt service, with less emphasis on the borrower's personal income; conventional loans rely on borrower income and debt-to-income ratios. DSCR can require higher down payments for new investors but may offer easier qualification when personal finances are tight, especially if rental income is strong.
Is Airbnb Dead? 20-Year Investor Exposes the Truth About Short-Term Rentals (Ep. 285)
Q: Why do you emphasize underwriting and the community in Vodyssey?
Underwriting and access to a knowledgeable community help investors avoid costly mistakes and share lessons learned from real-world experience across many properties.
Is Airbnb Dead? 20-Year Investor Exposes the Truth About Short-Term Rentals (Ep. 285)
Q: When did you start the book and why was it written before the Covid era?
The book was started in 2017 and finished in 2019 to lay out the core fundamentals; it was published before Covid, with updates considered later.
Is Airbnb Dead? 20-Year Investor Exposes the Truth About Short-Term Rentals (Ep. 285)
Q: Did you see so much misinformation that you felt you had to be the ones speaking the truth?
No; there wasn't information to mislead people at the time, so the motivation was to provide clear fundamentals and a reliable framework for investors.

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?

The show centers on practical money management, wealth-building through calculated financing strategies, and smart marketing for small businesses. Across episodes, the host(s) explore long-term brand value, real estate and mortgage dynamics, and a recurring emphasis on life insurance-based strategies (infinite banking) as a framework for liquidity, wealth transfer, and financial education. The format often blends coaching, case studies, and thoughtful critiques of traditional advice, with a notable inclination toward coaching over sales, transparent decision-making, and actionable steps for listeners seeking financial independence and disciplined wealth growth. A few episodes also touch on branding, marketing investments, and business partn... more

Where can I find podcast stats for Without the Bank Podcast?

Rephonic provides a wide range of podcast stats for Without the Bank Podcast. We scanned the web and collated all of the information that we could find in our comprehensive podcast database. See how many people listen to Without the Bank Podcast and access YouTube viewership numbers, download stats, audience demographics, chart rankings, ratings, reviews and more.

How many listeners does Without the Bank Podcast get?

Rephonic provides a full set of podcast information for four million podcasts, including the number of listeners. View further listenership figures for Without the Bank Podcast, including podcast download numbers and subscriber numbers, so you can make better decisions about which podcasts to sponsor or be a guest on. You will need to upgrade your account to access this premium data.

What are the audience demographics for Without the Bank Podcast?

Rephonic provides comprehensive predictive audience data for Without the Bank Podcast, including gender skew, age, country, political leaning, income, professions, education level, and interests. You can access these listener demographics by upgrading your account.

How many subscribers and views does Without the Bank Podcast have?

To see how many followers or subscribers Without the Bank Podcast has on Spotify and other platforms such as Castbox and Podcast Addict, simply upgrade your account. You'll also find viewership figures for their YouTube channel if they have one.

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. Farm4Profit Podcast
5. Ranching Returns Podcast

How many episodes of Without the Bank Podcast are there?

Without the Bank Podcast launched 6 years ago and published 295 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

How do I contact Without the Bank Podcast?

Our systems regularly scour the web to find email addresses and social media links for this podcast. We scanned the web and collated all of the contact information that we could find in our podcast database. But in the unlikely event that you can't find what you're looking for, our concierge service lets you request our research team to source better contacts for you.

Where can I see ratings and reviews for Without the Bank Podcast?

Rephonic pulls ratings and reviews for Without the Bank Podcast from multiple sources, including Spotify, Apple Podcasts, Castbox, and Podcast Addict.

View all the reviews in one place instead of visiting each platform individually and use this information to decide if a show is worth pitching or not.

How do I access podcast episode transcripts for Without the Bank Podcast?

Rephonic provides full transcripts for episodes of Without the Bank Podcast. Search within each transcript for your keywords, whether they be topics, brands or people, and figure out if it's worth pitching as a guest or sponsor. You can even set-up alerts to get notified when your keywords are mentioned.

What guests have appeared on Without the Bank Podcast?

Recent guests on Without the Bank Podcast include:

1. Mike Brevik
2. Shawn Moore
3. Jordan Nutter
4. Mary Jo
5. Tarisa Shelton

To view more recent guests and their details, simply upgrade your Rephonic account. You'll also get access to a typical guest profile to help you decide if the show is worth pitching.

Find and pitch the right podcasts

We help savvy brands, marketers and PR professionals to find the right podcasts for any topic or niche. Get the data and contacts you need to pitch podcasts at scale and turn listeners into customers.
Try it free for 7 days