Without the Bank Podcast

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 financially. Instead of selling him someth…

In this episode, Mary Jo and Tarisa dive into the importance of using money to create cash flow, and not merely saving it. They discuss Nelson's journey of overcoming significant debt and beating Par…

In this episode, Mary Jo and Tarisa dive into the realities of being a life insurance agent, addressing the industry's complexities and the challenges that new agents face. They discuss the importanc…

In this episode, Mary Jo and Tarisa tackle a common question about financial strategies: whether to 'buy term and invest the difference' - or to choose a dividend paying whole life policy, and to imp…

Some of the worst advice we ever get is to avoid taxes. In this episode, I run through some numbers of why it truly does not make sense to buy things to avoid taxes; we just transfer money to the ban…

In this episode, Mary Jo discusses common issues faced by clients, such as unnecessarily canceling policies or being misled by other agents into switching policies. She stresses the necessity for con…

In this episode, Mary Jo we delves into the complexities and risks associated with universal life insurance policies, using a real-life client scenario to illustrate the issues. This example serves a…

Mary Jo explains why chasing net worth won't move you forward and why cash flow is what truly matters. She shows how using your money with purpose can open the door to real freedom and momentum.

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Scarcity thinking might feel safe, but it's quietly sabotaging your financial future. In this episode, Mary Jo unpacks how emotional baggage, financial PTSD, and debt-free obsession can block real we…

In today's episode, Mary Jo calls out the chaos in blue-collar businesses and makes a clear case for hiring help. If you're in the trades and tired of missed calls, poor communication, and 70-hour wo…

What happens if your partner or key employee dies? Mary Jo shares why buy-sell and key man policies are a must to protect your business.

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Mary Jo and Tarisa discuss Codie Sanchez's business-buying strategy and how infinite banking can take it even further. Discover why funding through your own system changes the game.

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In this episode, Mary Jo and Tarisa expose why IULs fall short for infinite banking and highlight the value of transparency, guarantees, and real long-term control.

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Today, Mary Jo and Tarisa dive deep into a question many face: Should you start an infinite banking policy while in debt? They unpack real-life examples, human behavior patterns, and financial discip…

MJ and Tarisa continue the conversation and dive deep into the truths and misconceptions about Universal Life (UL) insurance policies, comparing them to Whole Life and exploring why guarantees matter…

In this episode, MJ and Tarisa break down what really matters when it comes to life insurance: proper policy structure, guarantees, and working with the right agent. They dive into the dangers of cha…

Curious about how a Roth IRA stacks up against a whole life insurance policy for Infinite Banking? In this episode, we break down the key differences, from control and liquidity to tax treatment and …

This week, Mary Jo and Tarisa take a hard look at the popular claim that saving $100 a month can make you a millionaire by retirement, famously promoted by Dave Ramsey. Let's unpack the real math beh…

In this episode, Mary Jo and Tarisa discuss the concept of wealth being relative to the people we surround ourselves with. They emphasize the importance of having a positive and ambitious environment…

Why do we trust banks and the stock market without question, but scrutinize life insurance to the extreme? In this episode, Mary Jo and Tarisa dive into financial mindsets, exposing the double standa…