Most people believe they're doing the right thing by maxing out their 401(k) or IRA.
But what if the entire system is designed to trap you later with higher taxes, forced withdrawals, and lost control?

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In this episode of Farming Without the Bank, we break down The Market Scam from Nelson Nash's Building Your Warehouse of Wealth** and expose what most financial advisors never explain.

Mary Jo dives into Chapter 5 of Building Your Warehouse of Wealth, unpacking why tax-qualified retirement plans may be one of the biggest financial misconceptions of our time. From Required Minimum Distributions (RMDs) to government-controlled retirement rules, this episode challenges conventional wisdom and asks a powerful question:

Would you rather be taxed on the seed… or the harvest?

This conversation explores why whole life insurance contracts between individuals may offer more control, certainty, and long-term stability than Wall Street or government promises.

Key Takeaways:
- Why "tax-deferred" doesn't mean "tax-free"
- The hidden danger of Required Minimum Distributions (RMDs)
- How words like "security" can be misleading
- Why future tax rates are likely higher—not lower
- The difference between government plans and private contracts
- How Infinite Banking restores control over your money

Chapters:
(00:00) – Why Most People Don't Want to Think About Money
(02:00) – The "Market Scam" & Misleading Financial Language
(04:20) – RMDs: The Rule Nobody Talks About
(08:38) – Baby Boomers, Forced Selling & Market Risk
(09:01) – Seed vs Harvest: A Powerful Tax Analogy
(12:50) – Government Plans & Financial Insanity
(19:38) – Why Whole Life Insurance Has Worked for 200 Years

Resources Mentioned:
Building Your Warehouse of Wealth – Nelson Nash
Becoming Your Own Banker – Nelson Nash

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Work With Us:
Ready to rethink your financial strategy?
Schedule a consultation and see how Infinite Banking may fit into your life.

maryjo@withoutthebank.com
https://www.farmingwithoutthebank.com?utm_source=youtube&utm_medium=organic&utm_campaign=fwtb-ep334&utm_term=desc-bot

Be open-minded, ditch the negativity, and yes, you can buy that small-town business and make it work. In this episode, Mary Jo sits down with client and Iowa rancher/feed-store owner Erica Lance, who walked away from a 14-year corporate food job to buy a 60-year-old feed store in a town of 1,000 people… during COVID.

👉 Follow Mary Jo Here: https://www.youtube.com/channel/UCXYvzroUouEMsTGKFw5nJHQ
👉 Get the book: https://www.farmingwithoutthebank.com/book

Erica shares how she runs a 5th-generation farm with Dexter cattle, heritage hogs, hair sheep, hypoallergenic curly horses, and silky chickens while modernizing a tiny farm store, creating custom feed mixes, shipping nationwide, and using infinite banking (and her old 401(k)) to fund the dream—without letting the bank control everything.

If you've ever wondered how to buy an existing small business, fix its mess of inventory and accounts receivable, negotiate with suppliers, or use life insurance as your own line of credit for your farm or business, this conversation gets very real.

What You'll Learn:
◦ How Erica went from corporate food manufacturing to owning a rural feed store
◦ Why she chose Dexter cattle, heritage hogs, hair sheep, and curly horses as niche income streams
◦ The truth about GMO vs non-GMO feed, sprays, and residues from someone who did lab testing
◦ How she mills fresh, locally sourced custom feed and ships it outside Iowa
◦ What no one tells you about buying a 60-year-old small-town business (inventory, expired product, A/R)
◦ Using Amazon and an online store to move poor inventory and reach beyond a town of 1,000
◦ How her kids learn business by bartering silky chickens and kittens instead of just taking cash
◦ Why did she pull money from her 401(k) to start infinite banking policies for the farm
◦ How separate policies, term coverage, and key-person insurance protect partners and banks
◦ The power of "How can I?" and "Who Not How" for growing when cash and time feel tight

Chapters:
0:00 – Negativity, mindset & intro to Erica
3:14 – Inside the ranch: Dexters, heritage hogs, curly horses & silky chickens
14:50 – Building a better feed store: sourcing, custom milling & GMO vs non-GMO
39:47 – Buying a 60-year-old small-town business: inventory, receivables & reality
55:35 – Employees, customer service, Amazon, and FedEx as a growth tool
1:07:55 – Using 401(k)s & life insurance to fund the farm and feed store
1:19:24 – "How can I?", Who Not How & closing thoughts on mindset

📘 Ready to learn Infinite Banking for yourself?
Grab Mary Jo's book and Nelson Nash's book, then schedule a time to talk:

🌐 Website: https://www.farmingwithoutthebank.com
📧 Questions: maryjo@withoutthebank.com

🐄 Need custom feed or farm supplies from Erica?
🌐 Feed store & custom mixes: https://feedersgrain.com?utm_source=y...

Is your 401(k) really a "benefit"… or did you just get dropped into the government's boiling pot without noticing?

👉 Follow Mary Jo Here: https://www.youtube.com/channel/UCXYvzroUouEMsTGKFw5nJHQ
👉 Get the book: https://www.farmingwithoutthebank.com/book

In this episode, Mary Jo continues breaking down Nelson's book Building Your Warehouse of Wealth (Chapter 4) and why he called tax-qualified retirement plans a scam, how government "help" actually means control, and why cash flow + financial education beat blind 401(k) contributions every time.

What we cover in this episode:
We walk through the history of pensions, 401(k)s, IRAs and Social Security, and how each step slowly pushed Americans into dependence on government-controlled retirement plans. Mary Jo revisits Nelson Nash's famous "boiled frog syndrome" analogy and shows how it applies to:
◦ Auto-enrolled 401(k)s
◦ "Saver's match" incentives
◦ Changing the rules on IRAs and inherited accounts
◦ The illusion that "the market will save you."

You'll also hear why the median American doesn't have nearly enough saved to retire, why living past 90 (or even 100+) changes the math completely, and why parents—not schools or the government—must teach kids about money.

Key Takeaways:
◦ Government "help" comes with control. Tax-qualified plans exist because of bad tax policy in the first place, and the rules can change at any time.
◦ Auto-enrollment = quiet confiscation. If you don't opt out, you're automatically in the system, with penalties to get your own money back early.
◦ Pensions & Social Security are fragile. Nelson predicted Social Security would fail; corporate pensions are already collapsing or underfunded.
◦ Most people are underprepared. Median retirement savings numbers are nowhere near enough to fund 30–40 years of life after work.
◦ Longevity changes everything. Insurance companies are insuring people out to age 121, retirement plans built for 10–20 years are not enough.
◦ Parents must lead on money. Don't wait for schools or the government. Learn, then teach your kids how to think about money and cash flow.

Chapters:
00:00 – Why schools shouldn't teach your kids about money
01:09 – Chapter 4 overview: tax-qualified plans & "the scam."
03:02 – Boiled frog syndrome & major events every 70 years
07:44 – Guaranteed retirement accounts, land grabs & auto-enrollment
11:29 – How pensions, 401(k)s & IRAs really evolved
16:21 – Savings rates, boats, and the illusion of "the market."
20:09 – Do you actually have enough to retire? The ugly numbers
23:25 – Longevity, nursing homes & government rule changes
26:16 – Distraction, dependence & quiet confiscation of wealth
30:19 – So what about cash flow & who should teach kids money?

👉 Ready to stop being the boiled frog and start building real cash flow?
Get your copy of Building Your Warehouse of Wealth and learn how to take control of your banking and retirement strategy.

📚 Grab the book & learn more:
🌐 https://www.farmingwithoutthebank.com...

📩 Questions?
Email Mary Jo: maryjo@withoutthebank.com

📅 Already have your books?
Make sure you schedule your appointment with Mary Jo or John to go through your questions and see if this is the right next step for you.