MANAZZARICCARDO How Farm Families Can Stop Overpaying on Taxes Prefer audio? Press play below to listen on Spotify: Most farm families do not overpay on taxes because they are careless. They overpay because planning starts too late. That is the core message behind Episode 27 of Farmers in Finance. In this episode, Rico breaks down the … Read more
Prefer audio? Press play below to listen on Spotify: Spring is not just planting season — it’s decision season. Before you seed a single acre, money is already moving fast: fuel, fertilizer, seed, repairs, labour, operating lines, and input costs. And if those decisions aren’t measured properly, spring pressure can quietly turn into fall stress. … Read more
Most farm succession plans do not fail because of paperwork. They fail because nobody wants to have the conversation until a health scare, a financial crunch, or a family conflict forces decisions fast. In Episode 25 of Farmers in Finance, Rico breaks down the five conversations every farm family needs to have before the land … Read more
Your 2026 Financial Reset: 10 Steps Every Canadian Farmer (and Entrepreneur) Needs Right Now Most people wait until January 1st to think about their finances. They make resolutions, buy a planner, feel motivated for three weeks, and then go back to the same patterns. The farmers and entrepreneurs who actually build wealth? They start in … Read more
“The best time to plant a tree was 20 years ago. The second best time is now.” Whether you’re farming 500 acres or running a family operation, the reality is this: most Canadian farmers are so focused on the work that they never stop to build the plan. And without a plan, everything you’ve worked … Read more
Most Canadians have RRSPs. Most Canadians don’t really understand them. In Episode 18 of Farmers in Finance, Rico breaks down the RRSP — not as a product to sell you, but as a system to understand. Where it came from, how it actually works, and the timing decisions that most people get completely wrong. “An … Read more
Infinite Banking for Farmers: A Beginner’s Guide to Becoming Your Own Bank Farmers in Finance — Episode 23 | Hosted by Rico Manazza Every time you finance equipment, land, seed, or expansion — that loan becomes a liability on your balance sheet. At the same time, it becomes an asset on the bank’s balance sheet. … Read more
Most Canadian farmers are overpaying the CRA — not because they’re cheating, not because they’re lazy, but because nobody taught them the rules. Farm tax is a specialty. General accountants miss it. Your neighbours probably don’t talk about it. And the CRA isn’t exactly sending out guides on how to keep more of your money. … Read more
Farmers in Finance – Episode 22 Most farmers don’t have a debt problem. They have a structure problem. In Episode 22 of Farmers in Finance, Rico Manazza breaks down the real difference between good debt and bad debt — and what most farmers, entrepreneurs, and business owners get wrong about leverage. Debt isn’t automatically bad. … Read more
Farmers in Finance – Episode 21 Most people think debt is the problem. It’s not. Debt is a signal — a symptom pointing back to something deeper: your money beliefs, your emotional patterns, and the financial conditioning you inherited long before you ever made a financial decision of your own. In Episode 21 of Farmers … Read more
