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.

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.

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.

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.

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.

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.

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.

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.

• “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...