Jace Young: The Financial Wake-Up Call

In this episode of the Intentional Agribusiness Leader Podcast, Mark sits down with Jace Young, CEO of Legacy Farmer, for one of the most raw and necessary conversations happening in agriculture today.

Jace grew up in a multi-generational Kansas cattle operation and later became an ag loan officer — only to watch his own family lose their $10 million farm because of financial disorganization, lack of clarity, and generational assumptions. That loss became the catalyst for Legacy Farmer, a coaching + financial software movement now helping hundreds of farmers each year finally understand their numbers, protect their legacy, and stop generational collapse.

Together, Mark and Jace break down the hidden crisis in agriculture: 95% of farmers do not understand their finances well enough to make sound decisions — and the entire system is feeling the consequences.

This is a conversation every farmer, banker, agribusiness leader, and rural family needs to hear.

Key Takeaways
1. Intentionality Means Solving the Foundational Problem First
For Jace, intentional leadership is the discipline to stop chasing ideas and address the real issue — the one at the base of every operational, financial, and family breakdown.

2. Farmers Aren’t Failing Because They’re Unsmart — They’re Failing Because No One Taught Them the Numbers
Most farmers were never trained to read a balance sheet, interpret cash flow, or calculate true field-level profitability. Even operators worth $50–70 million often lack basic financial structure. This isn’t incompetence — it’s a systemic gap in education no one bothered to fill.

3. The Ag Banking System Is Part of the Problem
Farmers trust loan officers as advisors, yet many of those officers have little ag experience, limited financial depth, and hands tied by policy and liability. The result? Generations making multimillion-dollar decisions with incomplete guidance.

4. $592 Billion in Ag Debt — With No Clear Accounting
By the end of 2025, U.S. farm debt is projected at nearly $600 billion. According to Jace, a significant percentage is mismanaged or untracked — a terrifying reality for an industry representing less than 2% of the population but carrying massive national risk.

5. Men Don’t Fear Failure — They Fear Being Exposed
The greatest barrier to transformation is the fear of seeing the truth. When Legacy Farmer members enter the program, the first battle is internal: confronting decades of decisions they’ve been avoiding. Transformation starts the moment they stop hiding.

6. Financial Clarity Isn’t Just Business — It’s Emotional and Generational
When a man is hiding financial stress, his wife feels it. His kids feel it. His entire home feels it. Jace shares how clarity in finances leads to restored marriages, reduced anxiety, healthier communication, and real leadership at home.

7. This Work Saves Lives
The suicide rate in agriculture is three times higher than the average U.S. industry. When farmers gain clarity, structure, and hope, the ripple effect is massive — from business stability to emotional and relational healing. This isn’t bookkeeping. It’s life-saving work.

Notable Quotes
“Intention is the discipline to solve the foundational issue — and refuse every distraction until it’s done.” – Jace Young
“95% of farmers don’t know their numbers. Not because they can’t — but because no one ever taught them.” – Jace Young
“The number one fear men have is the fear of being exposed.” – Jace Young
“Your decisions today become your children’s children’s inheritance — or their burden.” – Mark Jewell
“If God shines a light on a problem, it means He’s asking you to solve it.” – Jace Young
Action Steps
Audit your own financial clarity — can you read and explain your balance sheet today?
Ask yourself what decisions you’ve been avoiding out of fear of being exposed.
Begin putting structure around your numbers: revenue, expenses, projections, debt, and profitability.
Initiate an honest financial conversation with your spouse or business partners.
Reflect on the generational impact of your decisions — good or bad — and commit to changing your legacy trajectory.
Ready to Get Control of Your Numbers and Protect Your Legacy?
If this conversation hit home and you know it’s time to get clarity, structure, and a proven financial system behind your operation, you can learn more about Jace’s process here:

👉 Explore the Proven Legacy Farmer System:

https://start.legacyfarmer.com/proven...

This is the exact framework hundreds of farmers are using to get out of confusion, take back control of their business, and build a legacy that lasts.