Farmers don’t ask for easy.
- They wake up early.
- They work long days.
- They carry a risk most people will never understand.
Weather. Markets. Fuel prices. Equipment failures. And decisions made far away by people who’ve never set foot on a farm.
In this episode of Wealth On Main Street, Richard, Jayson, and Dan Allen sit down to talk about the one thing farmers can control, capital and why that control is becoming more important than ever.
Dan isn’t just talking theory. He’s lived this life. And he’s helped more farm families than most advisors will meet in a lifetime.
The Hidden Problem on Most Farms
Many farm families are asset-rich and cash-poor. They may be sitting on millions in land and equipment, yet still have to:
- Beg a bank for $50,000
- Sell crops at the worst possible time
- Feel judged after years of hard work
As Dan puts it, this isn’t a work ethic problem. It’s a control problem. “No one ever taught farmers how to grow capital, only how to borrow it.”
Why Financial Stress Is Pushing Farms Out of Families
Richard shares a powerful observation.
- More farms are being sold.
- More land is being absorbed by large players.
- Fewer next-generation kids want to take over.
And it raises a tough question: Is it really that they don’t want the farm…Or that they don’t want the stress?
When every year feels like:
- A fight with the bank
- A race against timing
- A gamble on prices
It’s hard to see joy in the work.
Farmers Understand Buffers, Just Not Financial Ones
Dan uses an analogy every farmer understands. When you have a good year, you don’t just put up feed for this year. You store extra for the bad year you know is coming.
That’s how farmers survive. Yet financially, many farms operate without a buffer at all. That’s where Infinite Banking changes the game. “It’s like building your own financial grain bin.”
What Infinite Banking Really Does for Farm Families
This isn’t about speculation. It’s about control, access, and flexibility. When implemented properly, Infinite Banking allows farm families to:
- Store capital safely and efficiently
- Access money on demand without permission
- Smooth out cash flow timing issues
- Finance equipment on their own terms
- Reduce stress during bad years
- Protect the farm during health events or transitions
As Dan explains, money may not be everything, but access to it changes everything.
Why Banks Will Always Get Paid First
One of the hardest realities discussed in the episode: Banks design loan structures to work for them, not for farmers.
- Quarterly payments.
- Annual payments.
- Forced selling at harvest.
Not because it helps the farmer, but because the bank wants the money. Infinite Banking flips that relationship. Instead of being dependent on lenders, farmers:
- Reclaim cash flow
- Decide when to sell
- Decide when to repay
- Decide how capital is used
That’s real independence.
When Equipment or People Go Down
It’s not always a tractor that breaks. Sometimes it’s a person.
- An injury.
- A health scare.
- A life-changing diagnosis.
Without liquidity, those moments can devastate a farm. With capital access, families gain:
- Time
- Options
- Breathing room
And when the worst happens, properly structured life insurance ensures the farm doesn’t get carved up by creditors. As Richard says, “IBC makes sure your family farm isn’t the farm the family fights over.”
Stress Is the Cost No One Measures
Jayson raises an important point. Stress doesn’t show up on balance sheets, but it destroys families. Infinite Banking reduces stress by:
- Eliminating urgent cash crises
- Removing forced timelines
- Creating certainty in uncertainty
It acts like a pressure-relief valve in a volatile business. One bad month doesn’t have to become a bad year.
Farmers Are Resourceful. This Fits Their Nature
- Farmers fix equipment.
- They build solutions.
- They adapt.
Infinite Banking aligns perfectly with that mindset.
- It’s not about outside help.
- It’s about self-reliance.
“Farmers don’t want handouts. They want control.”
Growing Capital Like a Crop
Dan makes one final point that resonates deeply. You don’t plant without intention. You don’t expect a harvest without seed.
Growing capital works the same way. When you plant the right seeds in the right structure, capital grows without weather risk, market volatility, or government interference. And unlike crops, this harvest is guaranteed.
Who This Book Is a Hero For
When asked who Growing Your Own Capital is a hero for, Dan doesn’t hesitate: “Farmers and ranchers, the people who feed us.” This book is for those who:
- Carry risk quietly
- Work without recognition
- Want to keep the farm in the family
Get the Book & Take Back Control
Get your free copy of Growing Your Own Capital: www.shop.ascendantfinancial.ca/grow-your-own-capital
Available on Audiobook, perfect for the tractor, truck, or shop.
Final Thought
You can’t control the weather. You can’t control markets. But you can control how money flows through your farm. And that control changes everything.
Listen Here: Spotify