GrainTrader - 2/8/2026 13:11



You’re 100% not wrong. And you have to either buy some along the way or invest in a retirement plan or both preferably. It just seems like historically/mathematically, the last 10-15 years the appreciation of land value and the return to operator have grown at a disproportionate pace and the attitude of “ground never cash flows when you buy it (if you buy it at market/competitive rates), but it will eventually”, has led to a very cash poor/land rich situation. I have a unique piece of land that is all tillable, but environmentally channeling due to the size of the field and tree lines that neighbors don’t want me to push back any further. It’s a small piece size wise. Land is worth $15,000 an acre as farmland here, but I could probably sell it for 22,000 an acre as a house lot. I’m considering selling it to basically have less borrowing each year. The amount of money the land would bring is a solid number I have borrowed 10+ months out of the year for operating loan. Loan is down to 6.75% now. I think after capital gain taxes I’ll have $19,000 an acre left. And that could save me a dollar amount divided by those acres of $1200 an acre for probably a long time (meaning I don’t see me not needing to borrow that much money for quite some time realistically). It represents 16% of my owned land but is my lowest yielding tillable land. Worst part is it’s at my residence and I’d have to stare at a neighbor kinda behind us…. Been thinking it makes since to do so as I don’t see this piece of land being a big part of my retirement plans besides selling it some day as it wouldn’t fetch much rent per acre by itself and as small as it is.