Not everyone is ready to start a policy today—and that's okay. In this episode, Mary Jo shares a real story of working with a firefighter/EMT who felt stuck financially. Instead of selling him something he couldn't afford, she helped him map out practical, creative ways to generate cash flow—from teaching first aid to selling emergency kits. This is what working with Without the Bank actually looks like: no pressure, just real strategy. If you've ever felt stuck or unsure how to start, this episode is packed with ideas and honest advice.

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