Pioneer Mindset

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!