Pioneer Mindset

Episode Summary This week I welcome Quentin Connealy, an Eastern Nebraska farmer, social media creator, and podcast co-host to Pioneer Mindset. Tune into our conversation where we cover the realities of modern farming, from flooding and weather extremes to ag tech adoption, mental health, and staying positive through the inevitable cycles of farm life. Quentin shares how wakeboarding in a cornfield back in 2017 accidentally launched his social media presence, and how that platform evolved into a genuine community-building tool and even a business asset. Join us for this grounded conversation that is full of practical wisdom for anyone in agriculture. In this week's episode with Quentin: Farming the Missouri River Bottom Social media as therapy Mental health and peer groups Early adopter approach to ag tech Technology budget discipline Between Two Farms podcast Surviving the down cycle Resources & Links: To learn more about how I can help you achieve financial clarity and confidence through essential tools and systems, check out my free training here! Connect with Quentin: Follow Quentin on Instagram @qconnealy19 Follow Quentin on X @qconnealy19 Follow Quentin on Tik Tok @qconnealy Follow Quentin on LinkedIn QJ Connealy Family Farms Website Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary As we enter Holy Week, I wanted to focus this week's podcast episode on faith, perspective, and the weight we all carry. I walk through the parable of The Prodigal Son and how each character, the younger son, the older son, and the father each represent struggles we all face in our own lives. From chasing what we think we want, to feeling overlooked even when doing everything "right," to learning how to extend grace and love, this episode challenges you to see yourself in the story and reflect on where you're at today. I also share how hardship, pressure, and uncertainty often become the very things that draw us closer to faith and how shifting your perspective can change how you carry those burdens. Whether you're strong in your faith, struggling, or somewhere in between, this episode is an invitation to lean in, reflect, and grow, especially during a season meant for exactly that. Resources & Links: To learn more about how I can help you achieve financial clarity and confidence through essential tools and systems, check out my free training here! Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary As the busy spring season approaches, it's easy to get caught in the cycle of constant work. We focus only on the production side and can lose sight of what truly matters. In this episode of Pioneer Mindset, I share five practical ways to stay grounded, in control, and aligned with your goals before things get busy. From knowing your numbers to protecting your time and relationships, this episode is a reminder that success isn't just about working harder, it's about being intentional so you can build a life worth living, not just a business. Here are some key takeaways from this week's episode: Know Your Numbers Revisit Your Goals Make (and Communicate) the Plan Schedule Non-Negotiable Check-Ins Schedule Non-Negotiable Check-Ins Resources & Links: To learn more about how I can help you achieve financial clarity and confidence through essential tools and systems, check out my free training here! Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary This week on the podcast, I dive into sharing the story behind Pioneer Farmer.I talk about why I started the business, some of the struggles that I faced, and how I now helps farmers and ranchers take back control of their operations. I talk about how some of our experiences on our operation like expanding our cow-calf operation and the financial pressure we faced after taking on debt from that expansion to navigating difficult conversations with bankers, attorneys, and family members. Like many producers, the challenge wasn't a lack of work ethic, it was a lack of financial clarity and a business framework for running the farm. After being forced to actually look the numbers and rethink the future of our operation, we began rebuilding our operation with a stronger focus on financial awareness, strategic decision-making, and long-term sustainability. That journey ultimately led to the creation of Pioneer Farmer, a coaching and consulting program designed to help farmers and ranchers gain clarity around their finances, build a plan for the future, and make confident decisions about their operations. Tune in to this episode to learn more what Pioneer Farmer actually does, how the process works, and the five biggest obstacles that hold farmers back from running their operations like a business. More importantly, I share the deeper mission behind the business: helping farmers build profitable, sustainable operations so they can continue doing what they love while strengthening the rural communities that depend on agriculture. Resources & Links: To learn more about how I can help you achieve financial clarity and confidence through essential tools and systems, check out my free training here! Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary We've all heard the phrase: "Do what you love and you'll never work a day in your life." But what if that is actually misleading? In this week's episode, I dive into the question: Should you pursue your passion? While passion can be a powerful motivator, relying on it alone can also create unrealistic expectations, especially in industries like agriculture where adversity, financial pressure, and uncertainty are part of the journey. I talk about experiences from our own operation from expanding our cow herd to eventually making the difficult decision to sell our cow herd. I talk about how passion can evolve when faced with real-world challenges. From calf loss and financial strain to burnout and difficult decisions, I reflect on how hardships can cloud the very passion that got you started in the first place. This conversation isn't about abandoning passion. It's about protecting it by creating balance and recognizing the seasons of life you're in, setting boundaries, diversifying your identity, and sometimes making money in one area while pursuing passion in another. This episode offers a different perspective: success often comes from combining skill, resilience, and purpose, not passion alone. Resources & Links: To learn more about how I can help you achieve financial clarity and confidence through essential tools and systems, check out my free training here! Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary In this episode of Pioneer Mindset, I sat down with Landon Schafer to break down the biggest crop insurance updates heading into 2026. With increased premium support, expanded Beginning Farmer benefits, ARC/PLC flexibility, and stronger ECO/SCO options, this isn't a year to auto-renew coverage. It's a year to intentionally evaluate your risk, your cost of production, and how your insurance strategy supports your revenue and marketing plan. In this week's episode about crop insurance we dive into these key factors: Premium support increased — many producers may see lower per-acre costs in 2026. ECO & SCO up to 95%% support — making county-level coverage more affordable than ever. Beginning Farmer benefits extended to 10 years with enhanced premium discounts. ARC/PLC flexibility improved, including higher reference prices and dual-benefit opportunities for 2025. Revenue protection > yield protection — insurance decisions should align with your financial strategy, not just bushels. Resources & Links: To learn more about how I can help you achieve financial clarity and confidence through essential tools and systems, check out my free training here! Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary We are back this week with part 2 of my conversation with Matt Griggs on farming for resilience! We continue to dive deep into making decisions that strengthen your operation for the future and generations to come. Resources & Links: To learn more about how I can help you achieve financial clarity and confidence through essential tools and systems, check out my free training here! Connect with Matt: Follow Matt on Facebook Follow Matt on YouTube Follow Matt on Tik Tok Griggs Farms Website Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary Hard seasons have a way of forcing clarity. In this episode of Pioneer Mindset, I sat down with fifth-generation farmer Matt Griggs to talk about some of the pivotal moments that reshaped his operation.From unexpectedly taking over the farm at 25, to surviving devastating droughts, to completely rethinking how he farms in order to reduce risk and build long-term resilience. We dive into how cover crops, reduced tillage, and a systems-based mindset helped Matt improve weed control, increase water infiltration, build organic matter, and weather drought years far better than in the past — all while lowering dependence on chemical inputs. This conversation is about evolving, staying curious, and making decisions today that strengthen your operation for tomorrow. Whether you're navigating weather challenges, financial pressure, or simply wondering how to look to the future on your farm, this episode offers honest perspective on what it really takes to build resilience. Resources & Links: To learn more about how I can help you achieve financial clarity and confidence through essential tools and systems, check out my free training here! Connect with Matt: Follow Matt on Facebook Follow Matt on YouTube Follow Matt on Tik Tok Griggs Farms Website Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary Farm transition and succession planning is one of the most important and most avoided conversations in agriculture. In this episode, I break down why transition planning feels so uncomfortable, what's truly at stake when we delay it, and why every successful transition starts with one thing: knowing your numbers. From family dynamics and emotional decision-making to debt, profitability, and bringing the next generation back to the farm, I walk through some real-world realities producers are facing when legacy planning is unclear. I share some of my own personal experiences from our operation, highlighting how our lack of financial clarity turned already difficult conversations into costly mistakes. This episode challenges producers to stop waiting for the perfect time, to start making progress, and take control of their transition process by gaining clarity around their financial position, goals, and future needs. Because at the end of the day — clear is kind, and unclear is unkind. Whether you're preparing to pass the farm on, considering coming back to the operation, or somewhere in between, this episode will help you rethink transition planning through a business lens and give you some practical steps to protect your legacy. Resources & Links: To learn more about how I can help you achieve financial clarity and confidence through essential tools and systems, check out my free training here! Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary Modern agriculture has pushed farmers toward specialization, higher yields, and more technology but has it actually made farms more profitable, resilient, or sustainable? In this episode of Pioneer Mindset, I sat down with David Kleinschmidt of Progressive Agronomy Consulting Services to discuss how agriculture arrived where it is today and why many producers feel like they're running harder just to keep up. From soil health and fertilizer ROI to technology, biologicals, and diversification, this conversation challenges the idea that more inputs automatically mean better outcomes. Instead of chasing the next "easy button," this conversation challenges producers to think about systems, knowing their numbers, and playing a different game, one that is focused on profitability and sustainability over the long haul. This podcast episode covers: How over-specialization has increased risk across farming operations Why efficiency matters more than maximum yield The hidden cost of technology and "easy button" solutions How some farmers are producing the same yields without borrowing operating money Using diversification and livestock to rebuild resilience and optionality Why one-size-fits-all recommendations hurt profitability What it takes to build farms the next generation can realistically return to Resources & Links: To learn more about how I can help you achieve financial clarity and confidence through essential tools and systems, check out my free training here! Connect with David: Follow David on Facebook - Progressive Agronomy Consulting Services Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

E103 | How to Take Control of Your Line of Credit Renewal Episode Summary Loan renewals don't have to feel like a yearly interrogation or a moment where your entire operation hangs in the balance. In this episode of Pioneer Mindset, I break down how farmers and ranchers can take back control of their line of credit renewal process by shifting from a reactive mindset to a proactive and prepared approach. Instead of walking into renewal meetings hoping the bank says yes, I talk about how you can position yourself as a confident, informed borrower who understands their numbers and their plan forward. I dive into what your banker is actually needing for your loan renewal and I share a few helpful tools to position yourself as a confident borrower. If you're tired of feeling like your banker holds all the cards, this episode hits home on how preparation, communication, and clarity can change the entire dynamic, helping you secure better terms, stronger relationships, and confidence heading into renewal season. Resources & Links: Loan renewals don't have to feel uncertain. Watch my free Loan Renewal Training here to learn how to walk into your next renewal prepared, confident, and in control. Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary To start off the new year, I dive into the importance of setting goals in this episode— not just dreaming about them — and why so many driven farmers, ranchers, and business owners feel stuck despite working hard and caring deeply about their families and future. Ag producers are capable, ambitious, and full of ideas… yet constantly distracted, overwhelmed, and feeling like nothing ever gets finished. Without a clear goal-setting process, it's easy to stay in survival mode, never celebrate wins, and slowly lose a sense of purpose or progress. Based on my own personal experience, I break down a simple, practical goal-setting process that actually works — especially in the chaos of farming, family, and business. I talk about the importance of how goal-setting isn't about perfection or motivation, but about clarity, prioritization, accountability, and momentum. Resources & Links: To learn more about how I can help you achieve financial clarity and confidence through essential tools and systems, check out my free training here! Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary This week I talk about the mindset of jealousy — why it shows up so easily, how it holds us back, and what to do instead. I talk about how comparing ourselves to others can lead us to idolize their success, dismiss our own path, and lose focus on what actually serves us. I challenge you to stop trying to be someone else and instead commit to becoming the best version of yourself. The episode walks through why jealousy doesn't move us forward, how shifting toward self-awareness and intentional growth creates momentum, and why faith and perspective are critical when navigating hard seasons. I dive into a powerful reframing: that life happens for us, not to us — and that God is the author of each of our stories, not someone else's. This conversation is an invitation to stop looking over the fence, stop chasing someone else's life, and start building your own with clarity, faith, and intention — across body, being, balance, and business. Resources & Links: To learn more about how I can help you achieve financial clarity and confidence through essential tools and systems, check out my free training here! Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary In this milestone 100th episode, I sat down with my wife, Ellan, to share the behind-the-scenes story of our farming operation, family, and the difficult seasons that shaped us both. We walk through what it was like to move from not knowing our financial reality, to being forced to confront it head-on during a season of expansion, debt, stress, and major family change — including pregnancy, young children, buyouts, and hard conversations with bankers, attorneys, and family members. Ellan vulnerably shares what it was like stepping into the books while pregnant, juggling an off-farm job, raising young kids, and carrying emotional weight she didn't always feel free to voice. We reflect on how the pressure impacted our health, marriage, mental load, and our perspective on farming, money, and leadership. We also dive into how that season ultimately led us to greater clarity, stronger communication, better decision-making, and eventually the creation of Pioneer Farmer — not from a place of ambition, but from a place of necessity, survival, and growth. This episode is an honest conversation about marriage, money, farming, legacy, and the uncomfortable growth required to move from survival to sustainability. Resources & Links: To learn more about how I can help you achieve financial clarity and confidence through essential tools and systems, check out my free training here! Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary As 2025 comes to a close, I walk through reframing how to approach the challenges and opportunities ahead of us in 2026. I walk through two scenarios — one driven by fear, overwhelm, and scarcity, and the other grounded in purpose, optimism, and intentional action — this episode challenges you to examine what actually motivates you to move forward. I dive into how fear can sometimes push us into action, but more often leads to paralysis, inaction, and burnout. I talk about why lasting progress comes not from running away from what we don't want, but from clearly defining what we do want — and building a vision, a "why," and a resilient mindset that can carry us through hard seasons. The episode also dives into identity — what it means to be a farmer or rancher — and why adopting the mindset of a business owner doesn't require abandoning the identity of being a producer. Instead, it's about blending resilience with strategy so operations can survive, adapt, and grow in an increasingly challenging ag environment. This is a honest and motivating episode focused on helping producers finish the year with clarity, step into 2026 with intention, and take action even when the future feels uncertain. Resources & Links: To learn more about how I can help you achieve financial clarity and confidence through essential tools and systems, check out my free training here! Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary As the year winds down and the holidays approach, I take a look back at 2025 — not to highlight wins, but to analyze the mistakes and learning opportunities that happened throughout the year. From communication breakdowns and rushed decisions to equipment issues, agronomic timing, and family-life lessons, this episode is an honest reflection on what went wrong, what it cost, and what can be learned. This episode isn't about beating yourself up over mistakes. It's about documenting lessons, slowing down, improving communication, and intentionally learning so you — and the next generation — don't repeat the same errors year after year. Mistakes are inevitable. Repeating them is optional. The real cost isn't making the mistake — it's failing to learn from it. In this week's episode on learning from your mistakes: Why documenting mistakes is just as important as celebrating wins The cost of poor or assumed communication — on the farm and at home Lessons learned from agronomic decisions, including fungicide timing and scouting The danger of rushing decisions and skipping simple checks How the lack of preparation affects productivity, stress, and family life Why reflecting now can prevent repeating mistakes next year Resources & Links: To learn more about how I can help you achieve financial clarity and confidence through essential tools and systems, check out my free training here! Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary In this week's Pioneer Mindset episode, I break down what I call the "profit gap" in farming — the space between being stuck in the trenches and reaching profitability I talk about why so many service providers in agriculture are built to help producers once they're already profitable, while far fewer are designed to help farmers and ranchers who are still grinding to get there. From accountants and bankers to agronomists and marketing advisors, I dive into who helps at each stage — and why bridging that gap requires a mindset shift and a return to the basics of business. This episode challenges producers to stop overcomplicating profitability and instead focus on the fundamentals: spending less than you make, understanding your numbers, and asking the hard question — what's the alternative if nothing changes? In this week's episode on profitability and business fundamentals: Why the profit gap feels so hard to escape and how bridging that gap starts with mindset "Spend less than you make" — simple, not easy The question that forces real change: "What's the alternative?" The 3 critical components every producer must know Why equity and profitability are not the same thing Why today's ag environment demands deeper financial clarity Resources & Links: To learn more about how I can help you achieve financial clarity and confidence through essential tools and systems, check out my free training here! Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary In this episode, Garrett sits down with agricultural lender Bryce from CharterWest Bank to give producers a clearer understanding of what lenders actually look for — and how you can set yourself up for a smoother, more successful loan renewal process. They break down the realities of farm financing, why equipment and land decisions can't be based on "justifying" the numbers, and how being organized with your financials can save you real money through better rates and stronger lending relationships. Bryce shares his lender insights, including the biggest mistakes producers make, what separates strong borrowers from struggling ones, and why communication and character matter more than most think. From the 5 C's of credit to building a balance sheet that actually reflects your operation, this episode provides insights into the lending process and gives you practical steps to strengthen your financial position heading into the new year. This week's discussion on banking with Bryce we dive into these important topics: The biggest financial traps producers fall into What makes a loan process smooth for both sides How Pioneer Farmer's system helped Garrett secure financing The 5 C's of Credit — and which one matters most How organization can literally earn you better interest rates How to prep for year-end and renewal season Why communication is the foundation of every lender–producer relationship Resources & Links: To learn more about how I can help you achieve financial clarity and confidence through essential tools and systems, check out my free training here! Connect with Bryce: CharterWest Bank Website Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary As we enter the final month of 2025, I break down the essential business tasks every farmer and rancher should focus on to finish the year strong and set up 2026 with clarity—not chaos. I walks through the some core areas that make the biggest impact on your financial organization, stress levels, and decision-making as we close out the year. Whether you're ahead, behind, or somewhere in between, this episode helps you get grounded, stay proactive, and avoid the December overwhelm that so many operations fall into. In this week's episode I share some core areas to focus on to finish the year strong and set your operation up for success in 2026: Updating your books, cash flow and balance sheet Year end tax planning Being intentional when prioritizing your tasks Building out an after-action report Resources & Links: To learn more about how I can help you achieve financial clarity and confidence through essential tools and systems, check out my free training here! Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary What It Really Means to "Provide Value" to Your Operation We all grow up wanting nothing more than to farm, but many of us work off farm jobs, build side businesses, or take big risks just to earn our way to keeping the farm alive. In this week's episode, I challenge the mindset of "just keep doing what we've always done" — and encourage you to think differently, experiment, and not fear failure. The Truth About Sharing Your Competitive Advantages Farmers are naturally protective of what works. I dive into the challenge of opening up to others about what we're doing on the farm — and why leading with integrity means being willing to share ideas that can help others thrive. Agronomy, Marketing, and On-Farm Skill Stacking I talk about how nutrient management, soil sampling, exploring alternative seed options, and strong grain marketing partnerships add both resilience and profitability. Off-Farm Ideas That Bring Value Back Home From renting out skills to becoming a consultant, advisor, crop insurance adjuster, retail dealer, farm manager, or real estate agent — I share some creative ways to use what you already know to strengthen your operation. Resources & Links: To learn more about how I can help you achieve financial clarity and confidence through essential tools and systems, check out my free training here! Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary In this week's solo episode of Pioneer Mindset, I dive deep into how you think about money — because your mindset around money impacts far more than just your bank account. I recently listened to one of Mel Robbins' podcast interviews with Morgan Housel, author of The Psychology of Money.From that episode, I share my own thoughts and break down the core principles from the book and connect them directly to farm and ranch life. Farm and ranch life is FULL of financial pressure — high input costs, volatile markets, land prices, debt, and constant comparison to what others have. This episode helps you slow down, rethink your expectations, and get honest about what's actually driving your financial stress. This isn't about limiting your ambition. It's about creating a mindset that makes ambition healthier and your goals realistic. In this week's episode on money mindset: The psychology driving your financial decisions Why comparing yourself to other farmers is a trap Why the goalpost keeps moving "All problems are money problems"… or are they? Why "enough" might be your biggest financial breakthrough Resources & Links: To learn more about how I can help you achieve financial clarity and confidence through essential tools and systems, check out my free training here! Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary As harvest wraps up, I take a practical look at one of the most common questions farmers face each fall: is custom work worth it? Whether you're combining for neighbors, drilling cover crops, or taking on extra acres to help justify equipment costs, there are real pros, cons, and mindset shifts to consider. In this episode, I break down how to evaluate custom work in your own operation—beyond the surface of "extra income." In this week's episode on custom work: The hidden costs (time, wear, and stress) that can eat into custom work margins. Why custom work can be a smart tool for cash flow when done strategically. How to think through context, capacity, and season of life before saying yes. The importance of setting realistic expectations. How building connections and perspective through custom work can lead to new opportunities. Resources & Links: To learn more about how I can help you achieve financial clarity and confidence through essential tools and systems, check out my free training here! Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary In this solo episode, Garrett opens up about the reality of "trying so hard" — in harvest, in family life, in business, and in faith. From long days in the combine to the quiet moments of reflection that come after, this conversation is an honest look at the weight many farmers carry: trying to be the best husband, father, Christian, and business owner — all at once. In this week's episode I share about the reality of "trying so hard": We're all trying hard — and that's okay. Acknowledge the effort without letting it drain your joy. Faith in the plan. Even when the season feels heavy, God is still working through it. Shift your focus. Instead of just striving for personal goals, pursue God and serve others. Do hard things to build resilience. The more you take on hard things, the stronger you become for the next challenge. Resources & Links: To learn more about how I can help you achieve financial clarity and confidence through essential tools and systems, check out my free training here! Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary In this episode of Pioneer Mindset, I break down one of the most overlooked skills in agriculture — decision-making. Every day, farmers and ranchers make thousands of choices, but not all of them are quality decisions. I dive into what it means to make high-quality decisions, why the process matters more than the outcome, and how improving your decision-making directly impacts profitability, confidence, and legacy. I share a simple but impactful framework for better decisions — Informed, Aligned, and Actionable.I walk through some real-world examples from our own operation, from cover crop mixes to grain marketing choices. Whether you're deciding when to sell grain, which field to harvest first, or how to plan for the future, this episode will help you build a repeatable process that creates clarity and conviction in every choice you make. Resources & Links: To learn more about how I can help you achieve financial clarity and confidence through essential tools and systems, check out my free training here! Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary Harvest season brings long days, high pressure, and plenty of comparison — whether it's yields, equipment, or how much progress the neighbors have made. I share an honest look at how harvest is going at Ruskamp Farms and the mindset shifts that can make all the difference. I dive into the realities of yields, basis changes, long hours, and the constant temptation to push harder — but I also emphasize the importance of pausing, taking a breath, and remembering what it's all for. This episode is about finding balance, gratitude, and perspective in the middle of the busiest season of the year. Resources & Links: To learn more about how I can help you achieve financial clarity and confidence through essential tools and systems, check out my free training here! Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary Garrett sits down with Trent Mastny, a Nebraska-based farmer, agronomist and sales rep with JTM Ag, to explore how the next generation of soil sampling tools can help farmers make smarter fertility and planting decisions. They break down what makes zone sampling more accurate than traditional grids, how the Haney test measures real nutrient availability, and why tools like Ferticast are helping bridge the gap between data and action. Key thoughts from Garrett and Trent's discussion on soil sampling: Why timing and planning matter for fall soil sampling How to interpret and apply the Haney and Indicator Complete soil tests The role of BaselineRx in building long-term field maps How Ferticast uses AI and agronomist input to turn soil data into usable fertility recommendations Why cutting costs blindly is one of the biggest mistakes farms make in tight years It's a deep dive into soil, data, and decision-making — all centered around farming intentionally and using information to lead with confidence. Resources & Links: To learn more about how I can help you achieve financial clarity and confidence through essential tools and systems, check out my free training here! Connect with Trent: Follow Trent on X Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary In this week's episode, I talk about one of the most universal struggles for farmers and ranchers — confidence. Whether you see yourself as naturally confident or someone who wrestles with self-doubt, this conversation dives deep into why confidence matters, how faith ties directly into it, and what practical steps you can take to strengthen both. This episode challenges you to flip the script: instead of waiting for motivation to build confidence, start with action. Every small step forward builds momentum, creates results, and strengthens belief in yourself. I also tie in the importance of faith — with the reminder that "life happens for you, not to you" — and that confidence and faith go hand in hand when weathering the hard times. Listen now and start building the faith and confidence to move boldly toward what you want — one decisive action at a time. Resources & Links: To learn more about how I can help you achieve financial clarity and confidence through essential tools and systems, check out my free training here! Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary In this week's episode of Pioneer Mindset, I talk about what it takes to move beyond "getting by" and stepping into true ownership—both in life and in business. Are you just keeping up, or are you stepping up as a businessman? This episode dives into the idea that to have what others don't, you must do what others won't. I apply this mindset across the CORE 4—body, being, balance, and business—with stories ranging from running a 5K to showing up as a dad, to getting proactive with farm finances. In this week's episode of taking ownership of your business: Why neglected tasks (like bookwork or cleaning the shop) get harder the longer you put them off. Using facts and numbers to kill scarcity and make better decisions. The power of doing hard things to build confidence across every area of life. How the CORE 4 framework helps you stop drifting and start leading intentionally. If you've ever felt stuck pushing off the things you know matter, this episode is your reminder to step up, do the uncomfortable work, and take ownership of your operation and your life. Resources & Links: To learn more about how I can help you achieve financial clarity and confidence through essential tools and systems, check out my free training here! Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary This week on the podcast, I dive into profitability!I talk why now—before harvest kicks into full swing—is the ideal time to evaluate your numbers, build crop plans for next season, and get clear on what's truly profitable in your operation. In this week's episode on profitability: Why profitability is more than just having cash in the bank The difference between cash vs. accrual accounting—and why both matter What bankers really want to see (and why) when you sit down for a line of credit renewal The critical role of actuals, projections, and cost of production in decision-making A practical breakdown of variable vs. fixed expenses and how to calculate your true cost per acre Resources & Links: To learn more about how I can help you achieve financial clarity and confidence through essential tools and systems, check out my free training here! Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary This week, I sit down with Zane Abner of Tredas to dig into grain and cattle marketing strategies that help producers stay proactive instead of reactive. From handling grain carry and price spreads to managing cattle market volatility, Zane shares practical tools and mindset shifts that keep operations steady when markets swing. We explore how to create flexible plans, avoid emotional decisions, and use tools like hedging, options, and LRP (Livestock Risk Protection) to protect profitability without giving up opportunity. This conversation is full of grounded, real-world advice you can apply directly to your farm or ranch. In this week's episode for some actionable marketing tips from Zane: Grain Marketing Mindset: Stay flexible with carry and spreads—opportunities are there, but every move comes with risk. Harvest Preparation: Keep accurate production records, revisit claims, and plan logistics early to avoid surprises when time gets tight. Flexibility Matters: Successful marketing isn't about one perfect move—it's about keeping options open and adapting to changing conditions. Cattle Market Volatility: With record highs and wild swings, clear planning and risk management are essential for avoiding generational setbacks. Big Picture Reminder: At the end of the day, remember why you're working so hard—don't lose sight of family, time, and the bigger purpose behind the operation. Resources & Links: To learn more about how I can help you achieve financial clarity and confidence through essential tools and systems, check out my free training here! Connect with Zane at Tredas: Check out their website: www.gotredas.com Follow Tredas on Facebook Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary Crop insurance may not be the most exciting part of farming, but it can make or break your bottom line. In this episode of Pioneer Mindset, I sits down with crop insurance agent and advisor Landon Shafer to break down what farmers need to know heading into harvest and beyond. From understanding new program changes and margin coverage options to managing claims, price discovery, and production records, this conversation is packed with practical insights you can use right now. We also dive into livestock risk management, exploring tools like LRP (Livestock Risk Protection) and how producers can lock in profitability while protecting against volatility. Whether you're a row crop operation, feeding cattle, or both, this episode will help you think differently about managing risk and making confident business decisions on your farm. Resources & Links: To learn more about how I can help you achieve financial clarity and confidence through essential tools and systems, check out my free training here! Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary What's driving your goals—the destination, or the journey it takes to get there? In this conversation with John Sachse of RanchFIT Coaching, we dig into the deeper meaning behind goal setting, physical fitness, and living with intention in farming, ranching, and life. From training for the Boston Marathon to hosting annual ruck events, John shares how the pursuit itself often brings more growth than the achievement—and why tying your goals to a bigger why makes all the difference. Whether you're working toward your next big milestone or just trying to stay consistent day-to-day, this episode will challenge you to rethink how you define success and to focus on who you're becoming along the way. Key thoughts from this week's episode with John Sachse: The mental clarity and confidence that come from consistent physical fitness Why the pursuit of a goal often delivers more growth than reaching it The importance of attaching your goals to a deeper why Flexibility and adaptability in maintaining health while farming and ranching Facing fears as the path to growth—in body, being, balance, and business How intentionality turns everyday actions into momentum for bigger results Resources & Links: To learn more about how I can help you achieve financial clarity and confidence through essential tools and systems, check out my free training here! Connect with John: Check out his website here! Follow John on Instagram Follow John on LinkedIn Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary Life comes at us in seasons. Some are filled with growth and excitement, others with struggle and exhaustion. And too often, we either compare our season to someone else's or complain about the one we're in—without realizing it may be the very season we once prayed for. In this week's episode I share some thoughts on embracing the season you're in: Why it's critical to acknowledge the season you're in How fitness, faith, family, and finances each bring their own challenges and growth opportunities The importance of being honest about where you're struggling—and giving yourself grace in the process How to balance ambition for the future with gratitude for the present Why "we prayed for the life we have today" is a powerful perspective shift Resources & Links: To learn more about how I can help you achieve financial clarity and confidence through essential tools and systems, check out my free training here! Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary What do you want? It's a simple question—but often one of the hardest to answer. In this episode of Pioneer Mindset, I dive into the idea of happiness, contentment, and the constant pursuit of "more" in our lives and businesses. Key thoughts from this week's episode: Why "wanting everything leaves you with nothing." The tug of war between contentment and ambition. Why money may not be the real problem holding us back. The importance of the Core Four—body, being, balance, and business—in shaping fulfillment. Resources & Links: To learn more about how I can help you achieve financial clarity and confidence through essential tools and systems, check out my free training here! Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary This week, I am diving into some lessons from our recent wheat harvest.Wheat isn't a huge crop for our area, but I break down the reason why we choose to keep it in our rotation and how this season turned out for us.It wasn't a record-breaking year, but our marketing strategy turned a potential loss into a profitable crop.Tune in to for some valuable insights on strategy and making diversification work for you operation! Resources & Links: To learn more about how I can help you achieve financial clarity and confidence through essential tools and systems, check out my free training here! Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary In this episode, I tackle a big question that every operator faces at some point: Do we fix our equipment or trade it in?I walk through a recent equipment decision we face and dive into the numbers, the decision-making process, and the trade-offs involved when it comes to managing one of the biggest line items on the farm. Your operation is unique. Don't get caught chasing what the neighbor is doing. Instead, run your numbers, understand your cash flow, and do what aligns with your long-term strategy. Whether you fix it, trade it, or run it into the ground — make sure it's an intentional decision. In this week's episode I share making smart equipment decisions: How to break down labor vs. parts cost and determine what work you can realistically do yourself Avoiding the "mental spiral" that can come with long repair lists How dealerships may influence your decision to trade up Comparing repair costs to trade-in costs, interest rates, and cash flow impacts Understanding depreciation and the risk of negative equity How your stage of business, growth plans, and equipment cycle influence your decision Why this is a personal decision that requires your own math, not your neighbor's Resources & Links: To learn more about how I can help you achieve financial clarity and confidence through essential tools and systems, check out my free training here! Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary In this episode of Pioneer Mindset, Garrett digs into one of the most common and costly mistakes farmers and ranchers face—poor time management. Whether you're working long days in the field or trying to balance chores, business, and family, it can feel like there's just never enough time. But what if the problem isn't how much work there is—but how we've been trained to think about time in the first place? In this week's episode Garrett shares some key thoughts on time management: Why time management holds everything else together in your business How generational values shape our views on work, worth, and rest What happens if nothing changes—and the silent cost of missed opportunities 7 simple ways to manage your time with intention How to get a return on your time, not just your dollars Resources & Links: If what I shared today hit a little too close to home… you're not alone.I talk to farmers every week who are grinding hard, doing all the right things, and still feel behind.But it doesn't have to stay that way. Book a strategy call here and let's work through where your time, money, and energy are really going—and where it should be. Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary In this episode of Pioneer Mindset, I'm breaking down the 5 C's of Credit—Character, Capacity, Capital, Collateral, and Conditions—and how these can help farmers maximize their lender relationships and navigate tough times with clarity and confidence. Whether you're a first-generation farmer just starting out, or a multi-generational operation looking to future-proof your business, this episode gives practical advice to step back from working in the business and start working on it with strategy, confidence, and intention. In this week's episode on the 5 C's of Credit: Being Proactive > Being Reactive: The operations that thrive are the ones that plan ahead—in good times and bad. Maximizing Lender Relationships: It's not just about numbers; it's about communication, transparency, and mindset. The Power of Peer Groups: Learn from those who've weathered storms and stayed in the game. Intentional Growth: Avoid shiny object syndrome and focus on what matters most in your farm, family, and future. Resources & Links: Want to dive deeper on this? Click here for my free training where you can turn financial uncertainty into strategic clarity, so you can make lender-ready decisions with confidence. Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary This week, I continue the conversation on the 1980s farm crisis.I welcome my dad back on to the podcast for him to share his story of the farming during the 80s.He shares his experiences and lessons that he learned from this difficult chapter in agriculture. Let's take the resilience and knowledge gained from past experiences to think differently and lead boldly in our operations today. Resources & Links: To learn more about how I can help you achieve financial clarity and confidence through essential tools and systems, check out my free training here! Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary Welcome back to Pioneer Mindset this week where I reflect on the 1980s farm crisis and how its lessons still echo in agriculture today. While history doesn't always repeat itself, today's farmers face many of the same pressures: rising debt, uncertain markets, and the tension between tradition and change. I dive into the similarities between then and now, what's different in 2025, and how we can respond with a mindset that's focused on clarity, adaptability, and long-term sustainability. Whether it's diversification, knowing your numbers, or letting go of the belief that hard work alone is enough, this episode is about honoring past lessons while forging a new path forward—so we don't repeat the same mistakes. Resources & Links: To learn more about how I can help you achieve financial clarity and confidence through essential tools and systems, check out my free training here! Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary In this special episode, I sit down with my dad, Tom, to talk through the history of our family farm—where it started, how it's evolved, and the values that have carried it forward. We dig into some of his earliest memories of farming, the challenges he faced early on, and the key lessons he's learned along the way. It's a personal conversation packed with perspective, laughter, and a few hard-earned insights that have shaped how we both approach life and business on the farm today. Resources & Links: To learn more about how I can help you achieve financial clarity and confidence through essential tools and systems, check out my free training here! Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary This week on Pioneer Mindset, I dive into how you can be practical about staying financially sharp in the middle of the busy season. Whether you're wrapping up spraying, running hay, or livestock, the farm work never stops—but that doesn't mean the business side should get left behind.In this episode, I walk through a checklist of what to focus on financially, how to stay updated on your numbers, and why clear communication with your banker and landlords can go a long way. This episode is packed with insights to help you stay proactive, profitable, and positioned for opportunity—even when the days are packed full and fast paced. In this week's episode I share practical advice on keeping your finances up to date in the busy season: You can't take advantage of opportunities if you don't know your numbers. Updating your cost of production mid-season helps you market smarter. Don't wait until winter to analyze and improve—do it while it's fresh. Sending crop updates builds strong relationships with landlords and lenders. Staying intentional with finances means you're owning the business, not letting it own you. Resources & Links: If you want to stay ahead both strategically and financially, check out my free training here! Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary This week's episode focuses on the challenge of setting and maintaining boundaries in both personal and business life.Boundaries are essential to protecting your priorities, preserving your energy, and enabling you to lead with integrity and purpose. Whether you're a business owner, a parent, or a leader in your community, this episode will equip you with tools to say "no" effectively, avoid burnout, and create space for what truly matters. In this week's episode I share some of my own thoughts on boundaries: Boundaries reflect your values and priorities: They help you focus on what's truly important in both family and business. Consistency is crucial: Moving the line on boundaries undermines your integrity and confuses those around you. Saying "no" protects your capacity: Saying no isn't rude or selfish—it's necessary to preserve your energy and say yes to the right opportunities. Reflection leads to improvement: Regularly assess which boundaries work, which don't, and how communication can be clearer. Leadership starts with you: Whether at home or work, be the leader who models and enforces boundaries to create trust, clarity, and focus. Resources & Links: To learn more about how I can help you achieve financial clarity and confidence through essential tools and systems, check out my free training here! Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary This week's podcast episode is one that affects every farmer, rancher, and ag business owner—energy management.During the busy season, the pressure piles on.Whether it's the stress of planting delays, lack of rain, or just long, demanding days, it's easy to let that pressure bleed into your relationships and mindset.And the truth is your energy is contagious. Tune in to hear more about how some of the ways that I have found beneficial to help manage my energy during the busy season. When we show up differently, we lead differently. In this week's episode on managing your energy during the busy season: Awareness is half the battle: You can't fix what you don't recognize. Your energy trickles down to those around you—good or bad. Boundaries matter: protect your time, conversations, and mental bandwidth. Prioritize high-impact tasks over busywork. Stay grounded in your "why" to help get through the harder times. Resources & Links: To learn more about how I can help you achieve financial clarity and confidence through essential tools and systems, check out my free training here! Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!

Episode Summary Diversification vs. Specialization.Which makes sense for your operation?This week I dive into the pros and cons of both.Cash flow in ag can be tight but knowing which option is best for operation comes down to knowing where the true profitability lies within your operation.Tune in for some actionable steps to get your operation moving in the right direction. Actionable Takeaways: Use tools like an enterprise analysis to break down profitability by crop or livestock sector. Consider multiple sets of books or accounts to clarify income and expenses. You can't manage what you don't measure. Know your numbers. Personal enjoyment doesn't always align with profitability—own your decisions. Whether you diversify or specialize, do it intentionally and with clarity. Resources & Links: To learn how you can use tools like an enterprise analysis to break down the profitability in your operation, check out my free training here! Connect with Garrett: Follow on Instagram - @garrettruskamp Follow on Facebook - Garrett Ruskamp Follow on TikTok - @garrettruskamp Learn more about Pioneer Farmer here! Make sure to hit follow/subscribe so you never miss an episode!