What happens when everyone expects someone else to pick up the bill?

From a nightmare condo sale to health insurance chaos, this episode is a raw, unfiltered wake-up call on personal responsibility, money, and self-reliance.

In this episode, Mary Jo shares a months-long real estate saga that exposed a deeper issue she's seeing everywhere—from first-time homebuyers and realtors, to health insurance, escrow accounts, and even parenting adult children.

The common theme? Too many people are handing off responsibility—and expecting others to pay the price.

This episode isn't about being harsh. It's about understanding how money actually works, why Infinite Banking is rooted in self-responsibility, and why depending on systems, banks, or government programs can leave you vulnerable.

Key Takeaways:
Why buyers asking for everything is a dangerous financial mindset
How escrow accounts and employer benefits disconnect you from reality
The real cost of "someone else will handle it"
Why self-insurance and Infinite Banking go hand in hand
What parents should (and shouldn't) subsidize for adult kids

Chapters:
(00:00) – A 20-Year-Old, Sourdough Bread, and Rent Reality
(01:25) – The Condo Sale From Hell
(04:10) – Buyers, Realtors, and Zero Accountability
(09:20) – When You Can't Afford Repairs, You Can't Afford the House
(16:45) – Health Insurance, Escrow, and Giving Up Control
(21:45) – Generational Expectations & Entitlement
(27:50) – Infinite Banking = Self-Responsibility

If this episode made you uncomfortable, you probably needed it.

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Links & Resources Mentioned:

Get the book: https://farmingwithoutthebank.com...

Email Mary Jo: maryjo@withoutthebank.com