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Without The Bank Podcast
We have a 103 year-old banking problem throughout the business industry, and most business owners have become complacent about it. We talk about this problem and how it’s affecting businesses by allowing the bank to have control. You may never get rid of the bank completely, but you can sure try. The bank should be plan B, not plan A, and you can make that happen. This takes time, but you have to get started. Listen to hear how this banking problem began and what the solution is.
Recent Episodes
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.
What happens to your family the day you’re gone — not financially, but humanly?
👉 Follow Mary Jo Here: https://www.youtube.com/channel/UCXYvzroUouEMsTGKFw5nJHQ 👉 Get the book: https://www.withoutthebank.com/book
In this episode, I share what I learned after delivering my first death claim, and after seeing what widows are saying on social media about the reality of losing a spouse. “Widow brain” is real — the brain fog, the inability to concentrate, the struggle to return to work. FMLA may only give you 3 days to grieve. And that $100,000 life insurance policy? It might not even cover two years of bills. So, how much life insurance do you need?
Whether you can afford whole life or only term right now — get enough life insurance to give your family at least two years of cash flow. Two years to grieve. Two years to figure it out. Two years without having to sell the house or go back to work before they’re ready.This episode is a wake-up call for anyone who’s been putting off life insurance or lowballing their death benefit. Don’t wait until it’s too late.
0:30 – The “TikTok Algorithm of Widows” — what I learned 1:30 – FMLA and the 3-day grieving reality 3:00 – “Widow Brain” — why surviving spouses can’t just go back to work 4:00 – How adequate life insurance lets widows quit and mourn 5:00 – My first death claim changed my perspective 7:00 – “She doesn’t need much coverage” — why that’s dead wrong 8:30 – FMLA limitations and employer compassion gaps 10:00 – How a parent’s death affects children’s grieving 11:00 – Why $100K isn’t enough — you need 2 years of cash flow 12:00 – Only 2 out of 75 widows mentioned life insurance 13:00 – It’s about priorities, not affordability 13:30 – A friend’s tragic story: widowed at 31 16:00 – Why spouses need to be involved in the finances 17:00 – Final call: the death benefit matters as much as cash value
📘 Books Mentioned: → Life Without the Bank → Becoming Your Own Banker by Nelson Nash 👉 Get them here: https://www.withoutthebank.com/book
📧 Questions? Reach us at maryjo@withoutthebank.com 🌐 Learn more at http://www.withoutthebank.com
