In this episode, Jonathon tackles a tough topic: what farmers and ranchers are really passing down to the next generation. It's not just land and debt—it's cycles of stress, silence, and financial habits. 

Jonathon dives into generational patterns, from financial management to relationships, and how emotional silence can impact families. 

Whether you're a seasoned operator or just starting out, this episode challenges you to look beyond the balance sheet and build a lasting legacy of stability and health.

In this episode, we cover:

• Why passing down the farm shouldn't mean passing down the struggles.
• Examining financial management, relationships, and business structures.
• How unaddressed trauma impacts families and operations.
• The importance of proper succession planning and avoiding the "working for nothing" trap.
• Dealing with your "stuff" through therapy and open communication.
• Being present for your kids and leading with strength, not fear.
• The critical role of life insurance and estate planning.
• Understanding the roles of CEO, CFO, and Foreman in your operation.
• Building a healthy family and a farm set up to last.

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Resources & Links:

• https://www.farmingwithoutthebank.com/
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Mentioned in this episode:

Farming is a business—and at Empire Financial Services, we treat it like one. Our team helps farmers and ranchers get clarity on their finances, streamline bookkeeping, and build long-term stability. Click below to learn more.

Empire Financial Services