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| Where in the world is a person expected to come up with enough cash flow after tax to fund such a plan to ever amount to anything meaningful, and fund production expenses at the same time? Sorry, but farming today without a bank is a pipe dream for those in need of operating capital. Try explaining to your lender your plan to siphon off 30% of operating capital each year for 15 years to build up a cash account elsewhere. With surrender charges it would be that long best case scenario before the concept would even begin to have any merit.
Edited by Boone & Crockett 12/27/2025 07:49
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Farming Without the Bank
