Back to Your Roots

He’s a farmer first and a crop duster second, and that changes everything about how he flies. We’re joined by Robert Houston, a fifth-generation producer who farms for a living and does aerial application because he loves the work and the relationships. If you’ve ever wondered what crop dusting actually does for corn, soybeans and canola, why some growers choose a plane over a ground sprayer, or how an ag pilot thinks about risk, this conversation gets specific fast.We talk timeliness, crop damage, and soil compaction, plus the real-world economics behind paying for aerial spraying. Robert explains how he charges, why he limits his radius, and what makes loading from his own strip so much more efficient than working around traffic at a regular airport. We also get into the equipment side of agricultural aviation: fuel burn, aircraft design, and why pattern testing, nozzle angle, and spray system setup can matter as much as the product in the tank.The most surprising part is what he calls the biggest challenge today: people. Robert breaks down drift concerns, chemical misconceptions, social media pressure, and why he’ll sometimes leave a field or even turn down acres if the situation isn’t safe or worth the risk. Along the way, we also cover his on-farm practices like injecting liquid hog manure and flying on cover crops to protect soil and recycle nutrients.If you care about farming, crop protection, cover crops, or the future of ag trust, hit play. Subscribe, share this with a producer or neighbor, and leave us a review with what you want to learn next.

Ever wonder how a family farm survives wild price swings, weather curveballs, and shifting markets? We sit down with Kentucky producer Keith Harris to unpack the real mechanics of resilience: diversifying for stability, securing buyers before planting, and building a legacy that gives each child a lane to thrive. Keith’s story starts with dark fire tobacco, which funded decades of growth, then pivots into a multi-enterprise operation spanning 3,500 acres of row crops, retail strawberries, 270 acres of watermelons, beef-on-dairy calves, and brand-new Vital egg barns.The conversation gets specific about business strategy. Keith breaks down how he aligned crops with available labor, why retail made sense for berries, and how wholesale contracts with Costco and Walmart turned watermelons into a scalable, time-sensitive machine—often eight to ten semi-loads per day in July. He explains the quiet skills that make or break diversified farms: prioritizing small tasks, managing teams across overlapping seasons, and partnering with brokers to keep logistics tight. We also tackle the hard truths—vegetable margins are tighter than a decade ago, tobacco’s heyday is past, and row crop income runs in cycles—plus the mindset that keeps a farm moving forward.If you’re a grower, ag professional, or curious listener, you’ll hear practical, field-tested advice on risk management, market-building, and when to pivot versus push through. Keith’s family-first approach shows how to expand with intention, train the next generation to lead, and build structured income streams that steady the ship when markets rock. Subscribe, share with a farmer friend, and leave a review with the one insight you’ll apply this season.

A wet spring, a parched August, and a combine that won’t quit—this conversation with fourth-generation farmer Allen Pace gets right to the heart of what it takes to bring a crop from the field to your plate. We talk through the harvest grind, the thin line between profit and loss, and why a few cents per bushel can swing a year when you’re moving hundreds of thousands of bushels. Allen shares how a lean crew uses crystal-clear communication and a whole lot of hustle to make good decisions when time, weather, and markets refuse to cooperate.We dive into yields across Ballard County and beyond—corn averaging around 215 on his acres, early soybeans pushing into the 60s and 70s, and double-crop beans waiting on late rain. Allen explains how this year’s weather flipped yield maps, why storage and timing matter when harvest lows hit, and how working with a marketing team helps capture those crucial pennies. We follow the grain as it leaves the farm: down lock-free rivers toward export, to regional poultry integrators, and even into Kentucky’s booming bourbon industry.There’s a bigger shift underway too. Soy oil is stepping into the spotlight thanks to renewable diesel and sustainable aviation fuel, changing the crush equation and creating new demand. Allen’s work on the Soybean Board highlights the research that got us here, and he makes a simple case for ag literacy: you may not eat soybeans, but your chicken sure did. We also look ahead at the next decade—drones, planter innovation, autonomy, hybrid powertrains—and what actually pays back versus what’s just a shiny toy. The perfect farm size? The profitable one. If you care about food security, rural economies, or just want an honest look at modern farming, this conversation delivers both grit and insight.

Dive deep into Western Kentucky's real estate landscape with Chance Futrell of Housman Partners Realty Land & Farm as he shatters common misconceptions about today's market. Fresh from his transition to full-time real estate after years of balancing dual careers, Chance brings authentic insights forged through countless successful transactions and deep community connections.Contrary to popular belief, the local housing market isn't just surviving—it's thriving. Housman Partners celebrated their best month on record in May 2025, even with higher interest rates. After an initial adjustment period, buyers have acclimated to the new rate environment, recognizing that waiting indefinitely isn't practical when lifestyle needs demand action. Construction loans continue at surprising levels, with Chance and host Chris Griffin noting more than 20 new projects initiated during recent months.The conversation shifts to the booming rural property market, where parcels of 10-40 acres are particularly sought-after. COVID accelerated the desire for self-sufficiency, with more people seeking their "own little piece of heaven" for gardening, recreation, and privacy. Chance reveals the unique valuation factors for hunting properties, where amenities like electricity and documented hunting success can significantly impact pricing. He advises property owners to maintain detailed logs of hunting activities to maximize value when selling.Beyond market analysis, Chance offers practical wisdom for both buyers and sellers. He cautions sellers against allowing properties to become stigmatized through overpricing, while warning buyers to realistically assess maintenance requirements before purchasing rural land. "Chris Griffin goes out and buys 50 acres tomorrow and he doesn't own a tractor," he explains, illustrating how unprepared buyers often overlook ongoing costs.Whether you're considering your first home purchase, looking to invest in recreational land, or seeking to maximize your property's value, Chance's expertise provides invaluable guidance. 

 On this episode of Back to Your Roots, host Chris Griffin sits down with Daniel Elrod, a mortgage loan originator recently voted "Best of the Best" in Cleveland, Tennessee, to unpack the ins and outs of construction financing.Ever wonder why construction loans seem so complicated? Daniel breaks down the crucial differences between traditional home purchases and building from scratch. Before you meet with contractors or fall in love with house plans, listen to his advice about establishing what you can actually afford—potentially saving you from heartbreak and wasted time. The conversation dives deep into two distinct construction loan options that serve different needs: the unique 30-year fully dispersed construction loan with one-time closing and fixed rates, and the traditional 12-month interest-only construction loan.What truly sets this discussion apart is the revelation about River Valley's note modification program—a feature that could save borrowers thousands in refinancing costs when interest rates drop. "You can always date the rate but marry the property," Daniel advises, highlighting how this program lets you secure your dream home now without missing future rate opportunities.The episode also tackles specialized construction types like barndominiums and pole barn homes, explaining how these increasingly popular rural building options can be financed at up to 85% loan-to-value. Daniel dispels common myths about who qualifies for agricultural lending (hint: you don't need to be a farmer), reveals how land equity can eliminate down payment requirements, and explains the flexibility around dwelling limits for properties over 15 acres.Whether you're just starting to dream about building or ready to break ground, this conversation delivers practical insights you won't hear elsewhere. Subscribe to Back to Your Roots for more insider knowledge on agricultural and rural financing that guides you back to what matters most.

What does the future of farming look in today's world? Who's leading agricultural innovation in the river counties? And how can young people break into an industry where the traditional advice has been "inherit it or marry it"?Dr. Tony Brannon, former dean of agriculture at Murray State University for 25 years and current leader with the West Kentucky Alliance for a Vibrant Economy (WAVE Ag), joins host Chris Griffin to answer these questions and more. From his childhood on a farm to his decades shaping agricultural education, Dr. Brannon brings wisdom earned from both academic leadership and hands-on farming experience.The conversation delves into the revolutionary technologies transforming agriculture—autonomous planters operating without drivers and heavy-lift drones capable of spraying 1,000 acres daily. "It's not my granddaddy's agriculture anymore," Brannon explains, describing how modern farmers need technological savvy alongside traditional agricultural knowledge. We also explore the economic importance of the river counties' agricultural production, the progress toward establishing a veterinary school at Murray State to address the shortage of large animal veterinarians, and practical advice for succeeding in today's agricultural landscape.For aspiring farmers, Brannon emphasizes perseverance, networking, and diversification as key strategies. He explains how the Young and Adult Farmer Program through WAVE Ag provides valuable connections and resources for those entering agriculture, whether they come from farming families or not. As he puts it, farmers must be "eternal optimists" in a profession where success depends on factors beyond their control—from unpredictable weather to volatile markets.Ready to learn more about the future of farming or connect with agricultural resources in Western Kentucky? Follow Back to Your Roots for more insights into all things farming, financing, and farm life, and visit rivervalleyagcredit.com for additional agricultural resources.

"$95 million returned to members over 30 years, with $4.8 million coming this April." That's the staggering figure River Valley AgCredit CEO Kyle Yancey shares as he breaks down the cooperative's patronage refund program in this revealing conversation.What exactly is patronage, and why don't traditional banks offer it? Yancey explains the concept using a vivid waterfall analogy, showing how money flows through the organization - first covering operating expenses and capital requirements before cascading back to members. This systematic approach has allowed River Valley to return significant funds to borrowers each year since 1993.The benefits are substantial and concrete. Patronage effectively reduces member interest rates by an average of 1%, which, when combined with no-cost note modifications, can sometimes create rate advantages of 1.75% or more compared to traditional lenders. As Yancey pointedly asks, "What is your bank giving you?"A common misconception gets thoroughly debunked: patronage doesn't mean the cooperative overcharges for loans. River Valley is regulatorily required to offer fair, equal pricing and maintains competitive rates. With patronage checks arriving in early April (now available via direct deposit), members gain a timely financial boost for spring expenses or tax obligations. The cooperative's financial success directly translates to member benefits - a true embodiment of the cooperative principle that sets farm credit apart from other financial institutions.Ready to maximize your patronage returns? Beyond traditional loans, consider River Valley's additional services like crop insurance, credit life, and equipment leasing. The more business you do with your cooperative, the more you'll see coming back to you when patronage season arrives.

Step into the dynamic realm of land auctions where opportunities abound and strategies can mean the difference between winning and losing. In this engaging episode, we chat with Michael Harris, owner of Harris Real Estate and Auction, who shares his multi-generational expertise in navigating the auction landscape. With an impressive family legacy spanning over four generations, Michael brings invaluable insights into the auction process, emphasizing the importance of preparation for potential buyers and sellers alike.Throughout our discussion, we unravel the intricacies of bidding, including the often misunderstood buyer's premium, equipping you with knowledge to enter the auction confidently. Michael gives essential tips for first-time bidders, encouraging them to seek guidance and understand what to expect on auction day—navigating bid strategies and property combinations efficiently. Furthermore, he clarifies the distinctions between absolute and reserve auctions, outlining when each method may be most beneficial.As we dive deeper, Michael discusses current land price trends—from the impact of market dynamics to factors influencing buyer decisions. This is a must-listen for anyone considering land transactions, whether you are looking to buy or sell. Join us as we uncover the secrets of successful land auctions and learn how you can maximize your outcomes. Don’t forget to visit our website and subscribe to Back to Your Roots for more insights to keep you ahead in the agricultural sector!

Join us on "Back to your Roots" as we explore the bustling world of agriculture with Dean Williams, the passionate owner of the Athens Stockyard in Tennessee. Raised amidst the dynamic environment of a dairy farm and family-run grocery stores, Dean brings a wealth of knowledge and experience to the table. Discover how his early adventures in stockyards shaped his journey to becoming a seasoned cattle trader, transforming the Athens Stockyard from a modest 50-cattle operation to a thriving enterprise handling over 2,000 cattle weekly—all while emphasizing the essential value of respect and collaboration in business.As we navigate the evolving landscape of the cattle and stockyard industry, gain invaluable insights from seasoned professionals who have weathered economic storms and the shifting tides of market demands. We'll discuss the pressing issue of an aging farmer population and the critical need to engage younger generations through initiatives like 4-H and FFA, ensuring the future vitality of agriculture. Against the backdrop of land development challenges, we delve into strategies that can keep the spirit of farming alive among youth.The nationwide shortage of large animal veterinarians presents unique challenges for cattle farmers, and we shed light on its impact from a personal and professional perspective. Hear practical advice on making smart investments in genetics and equipment, and learn the importance of perseverance through market fluctuations. This episode emphasizes the supportive dynamics between farmers and lenders, underscoring the significance of adapting strategies to individual circumstances. Don't miss the opportunity to connect with us on social media and share your thoughts on future topics you'd like us to explore as we continue this agricultural journey together.

What shapes a person's journey into politics? Kentucky's Commissioner of Agriculture, Jonathan Shell, joins us to share the influential figures and experiences that led him to public service. From the pivotal guidance of his grandfather to the encouragement of U.S. Congressman James Comer, Jonathan's story is a testament to the power of everyday people making a difference in politics. We explore his admiration for the Kentucky Farm Bureau and Rush Limbaugh, both of which played a significant role in forming his conservative beliefs and igniting his political career. This episode offers a personal glimpse into the values and inspirations that have guided Jonathan's path.Kentucky's farming community faces unique challenges, and Jonathan Shell is committed to supporting them. Discover the New and Beginning Farmer Loan Program, aimed at empowering young farmers with low-interest loans, and learn about the significance of crop insurance and community support in navigating natural disasters. We also discuss future policy goals to maximize taxpayer resources, promote economic growth, and connect consumers with the origins of their food. Jonathan's dedication to advancing agriculture in the Bluegrass State shines through, as he strives to position Kentucky as a national leader in healthy eating and sustainable practices.

Kentucky's political and agricultural landscape comes alive in our conversation with Steven Rudy, the Kentucky State Representative for the 1st District. Join us as he reminisces about growing up in Ballard County, sharing amusing childhood anecdotes and his longstanding friendship with our CEO, Kyle Yancey. Steven's unique perspective provides a rare glimpse into the distinctive cultural fabric of Western Kentucky, where the challenges and rewards of representing the expansive River Counties are as vast as the land itself.Steven takes us on a journey through the intricacies of agriculture legislation, revealing how seemingly minor laws, such as those concerning hogs in Hickman County, play a crucial role in preserving Kentucky's agricultural heritage. He shares his vision for the future, including bold plans for a veterinary medicine school at Murray State University and the state's unprecedented investment in public river ports. Through collaborative efforts with Commissioner of Agriculture Jonathan Shell, Stephen aims to fortify Kentucky's standing as a leader in the agricultural sector, ensuring the economic vitality of local farms and communities.Amidst discussing policy challenges, we also celebrate the profound impact of agricultural education programs like 4-H and FFA in fostering leadership and bridging the gap between consumers and producers. Steven delves into the role of institutions like Murray State University's School of Agriculture in nurturing regional growth and preparing new generations for leadership roles. The episode is a testament to the power of communication, education, and legislative leadership in shaping the future of Kentucky's vibrant agricultural community.

Join us for an insightful conversation with Dr. Aaron Smith, a distinguished professor and extension economist from the University of Tennessee, Knoxville, as he navigates the complex world of agricultural economics. Dr. Smith shares his journey from a farm in Western Canada to becoming an influential figure in understanding economic trends that impact agriculture. Learn how historical data, although often lagging, plays a crucial role in the future of agriculture. We'll unravel the importance of interpreting economic indicators and their varied impact on different agricultural sectors, providing you with a clearer picture of how these insights can guide decision-making in the farming industry.The episode further explores the indispensable role of immigrant labor through programs like H-2A, crucial for maintaining stability in labor-intensive agriculture. With Dr. Smith's expertise, we examine global market dynamics, focusing on how countries like Brazil and Argentina affect U.S. agriculture, particularly in the soybean sector. Discover how advances in drone technology are not just futuristic fantasies but real tools transforming modern farming with AI and precision applications. As we look towards 2025, Dr. Smith shares strategies for navigating potential shifts in crop prices, highlighting the importance of strong marketing and management strategies to maintain profitability. Get ready to expand your knowledge and gain valuable insights into the evolving agricultural landscape.

Curious about the ever-evolving world of farming and grain marketing? Join us as we sit down with Heather Howell Davis, co-owner of Davis Pork LLC, who candidly shares the inspiring history and innovative strategies behind her family's agricultural success. Heather takes us on a journey through the enduring legacy of Eric Howell Grain in Marshall County, Kentucky, highlighting her grandparents' perseverance and detailing the revamped ehgrain.com website, which now offers up-to-date grain prices, family stories, and exciting employment opportunities. Heather’s firsthand experience sheds light on the unpredictable nature of grain markets, emphasizing the importance of informed decision-making and a robust marketing plan to ensure the sustainability of farming businesses for future generations.Discover the intricacies of grain contract options like Hedge to Arrive, basis, and flat price contracts, and learn how these can impact your pricing and profitability. Heather also shares her strategic approach to consistently marketing small portions of crops and the importance of staying informed about market trends and local granary prices. We explore the significant shifts in the farming industry, from the decline of small farms to the rise of large-scale operations equipped with advanced technologies. Tune in for Heather’s practical advice on maintaining profitability, strategic planning, and understanding production costs, all crucial elements for thriving in today’s farming landscape.

Discover the secrets to a thriving home garden and the joys of canning with our special guest, Marni Ausenbaugh. Growing up amid her grandparents' lush gardens, Marni has cultivated a deep appreciation for knowing exactly where her food comes from and the gratification of feeding her family with homegrown produce. From jalapenos and tomatoes to blueberries and blackberries, Marni shares her journey and expert advice on gardening, soil testing, and adjusting to different environments, infusing her stories with a passion that is both inspiring and informative.Curious about how to start a garden that fits your busy lifestyle? Marni provides practical tips and tricks for small-scale gardening, offering insights into harvesting okra and the delightful taste of burpless cucumbers. Our conversation also touches on Southern culinary treasures like white lightning, chow chow, and the irresistible cowboy candy—a sweet and spicy twist on jalapenos. We delve into the rising trend of canning among younger generations, discussing the best produce for freezing versus canning, with a special focus on preparing for natural disasters.Learn how canning can be a rewarding and practical solution for food preservation, especially in the face of potential freezer storage losses. Marni shares her personal experiences and valuable tips to ease any intimidation around canning, highlighting the surge of interest during the COVID-19 pandemic. This episode also underscores the importance of family bonding through gardening and canning, encouraging a simpler, more intentional lifestyle. Don't miss out on the hidden resources offered by local counties to enhance your gardening and canning skills. Stay connected with us for more insightful tips by subscribing to our podcast and following us on social media.

How do modern farmers navigate a landscape riddled with economic volatility, high input costs, and unpredictable weather? In our enlightening conversation with Aaron Wilson, a seasoned generational farmer from Ballard County, Kentucky, you'll uncover the secrets to successfully managing a 3,000-acre farming operation focusing on corn, soybeans, and wheat. Aaron shares his strategies for bulletproofing his business against financial pressures through strategic debt management and liquidity. Learn how he tackles sky-high costs of equipment, chemicals, and fuel, and why diversification with beef cattle is a smart move.Get ready to explore the cutting-edge world of drone technology in agriculture. Aaron explains how drones revolutionize crop protection by offering precision, reduced labor costs, and flexibility compared to traditional methods. Discover the practical benefits of drones, from adjusting droplet sizes to operating post-rainfall, making them a cost-effective alternative to ground sprayers. We also dive into the critical role of crop insurance and grain storage in mitigating weather and market risks. Aaron's expert insights are invaluable for anyone looking to navigate the multifaceted challenges of modern farming. Tune in for a comprehensive look at strategies to optimize farm efficiency and profitability.

How do you go from a chance interview to being the cornerstone of an organization? Join us for an inspiring conversation with Kip Ellington, the Chief Credit Officer at River Valley, as he recounts his extraordinary journey from an unexpected hire to becoming a respected leader in the company. Kip shares invaluable insights from his time as a loan officer, his rise through the ranks, and his dedication to mentoring new employees. He reflects on the strong relationships he's built with customers and the unique challenges and rewards he's encountered working in the agricultural lending sector. With Kip approaching his retirement, we celebrate his lasting impact on River Valley and its staff.In this episode, we also uncover essential strategies for young borrowers to build robust credit scores, crucial for future loan eligibility. We discuss practical steps like responsibly managing credit cards and the importance of early loans such as a first vehicle loan. Kip emphasizes the value of character and relationship building in lending, particularly in agriculture, providing a comprehensive approach beyond mere credit scores. We delve into the significance of financial literacy, balance sheets, and maintaining trust-based relationships with borrowers. Tune in to gain insights into mentorship, steady leadership, and the commitment to helping borrowers navigate financial challenges with confidence knowing the 5 C's of credit.

Ever wondered how the farming dreams of the young and ambitious can be nurtured in today's economy? We're Jordan Turnage and Chris Griffin, and we're here to unfold the mysteries of the Young, Beginning, and Small (YBS) loan program, a vital initiative that's keeping the agricultural heartbeat strong. As the farming population ages, it's like a tree in need of new roots—we're eager to support the growth of fresh farmers. Our latest episode peels back the layers on the updated qualifications for YBS loans, illustrating the lifeline they offer to those starting their journey in agriculture. You'll learn that meeting a single YBS criterion might be the golden ticket for an aspiring farmer, and we share stories on how this program is expanding the agricultural horizon for the next crop of growers.Switching gears, we cast a light on the indispensable toolkit every budding farmer should have when eyeing agricultural loans. Think beyond credit scores and dive into the world of financial statements, the ins-and-outs of co-signers versus guarantors, and the art of presenting a compelling repayment ability. With a focus on practical advice and real-world strategies, we empower our listeners with the knowledge to secure the necessary capital to sprout their agribusiness. Our episode doesn't just lay out the path to success—it equips you with the map, compass, and provisions for the journey. Join us to cultivate your understanding and grow your confidence in the fertile field of agriculture.

Ever wonder what goes on behind the scenes of building the place you call home? Uncover the intricacies of home construction with Mr. Israel Sanders, a seasoned general contractor with 24 years under his belt. As the owner of IS Custom Homes, Israel navigates us through the highs and lows of the industry, revealing the real impact of the pandemic on costs and market fluctuations. He also pays tribute to his father's influence, sharing how family legacy has shaped his approach to creating dream homes amidst today’s unpredictable landscape.Tackling a home build seems daunting, but Israel Sanders shares why it's a task for experienced hands, especially with today's labor market challenges. The loyalty and trustworthiness of subcontractors have become more valuable than ever, and Israel discusses how government assistance programs have reshaped the workforce. For those tempted to don the general contractor's hat themselves, he offers a candid warning: without the right expertise, the dance of coordinating trades can quickly turn into a costly misstep.Finally, we unwrap the various contracting methods that could make or break your home-building dreams. From the comprehensive turnkey process to the transparent cost-plus contracts, Israel illuminates the financial nuances of each approach. He offers sage advice on how to keep a tight rein on your budget, manage change orders effectively, and why communication with your contractor is the cornerstone of a successful project. By the end of our chat, you'll be equipped with a richer understanding of the home construction process, straight from a master builder's perspective.

Discover the future of farming through the eyes of Darren Grogan from Triple G Farms, as he reveals how precision agriculture is not just a trend, but a revolution in the agricultural industry. In our conversation, we uncover the secrets behind farming that thrives in the commodity markets. Darren's dual role as a seasoned farmer and a board member of River Valley AgCredit infuses our discussion with deep insights into the challenges and opportunities presented by the newest technologies in agriculture. We delve into the heart of modern agriculture, where data drives decisions, and efficiency is king.Listen as we unravel the complexities of marrying tradition with technological innovation, discussing the impact of predictive analytics and real-time data on farming practices. It's a game of high strategy, akin to the 'Moneyball' approach, where success hinges on removing emotion from the equation and letting the hard numbers lead the way. From variable planting to the rise of autonomous equipment, Darren sketches out the evolving landscape where even smaller-scale farmers are contemplating the leap into a data-centric future. This episode paints a vivid picture of an industry at a crossroads, boldly stepping forward into an era where every decision is as precise as the technology that informs it.

Get ready to navigate the intricate maze of construction loans with mortgage loan originator Julli Haley by your side! In a world where financing your dream home build could get tangled in red tape, we're slicing through the jargon to bring you valuable insights. From the one-time close appeal of a fully dispersed in-house loan to the enticing low down payment of a C2P loan, we're laying out your financing options. Owning land could give your down payment a hearty boost, and for the DIY-spirited, acting as your own general contractor comes with tips and tricks you'll need to keep the project on track. Join us as we break ground on the best practices for securing a home construction loan that won't leave your bank account in the dust. Pre-qualification isn't just a buzzword; it's your budget's best buddy, and we'll show you why. Julli Haley lends her expertise on why a fully dispersed in-house loan might just be the ace up your sleeve, offering lower interest rates and a single closing cost. We're also putting the spotlight on potential pitfalls—think budget overruns and cost estimation tripwires—and providing you with the know-how to sidestep them with confidence.  If you're looking to build this conversation is one blueprint you can't afford to overlook.

Discover the fine print details of renewal season as we sit down with Trent Cossey from River Valley AgCredit, a man whose roots run as deep as the crops he finances. From childhood days on a hobby farm to becoming a pivotal relationship manager, Trent's journey is a testament to the significance of tailored agricultural lending. We peel back the layers of the loan renewal process, an annual financial health check for farmers, revealing how detailed information and an understanding of the ag economy's shifts can lead to custom financial solutions that keep our farmers thriving.Venture into the complexities of operating lines of credit with us, where flexibility meets the practical needs of planting and harvest seasons. Trent takes us on a tour through the differences between non-revolving and revolving lines of credit, demystifying the terms that shape the backbone of farm financing. We discuss the importance of open communication between lenders and farmers, and how strategic use of collateral ranging from real estate to crops ensures these loans are a firm foundation rather than a fleeting aid.In a candid final chapter, we analyze the structure behind extending credit to those who feed nations. With Trent's expert guidance, we unpack the strategies for setting credit limits and the art of balancing a borrower's needs with fiscal responsibility. Learn how lenders adjust credit lines in response to changes in operations, ensuring farmers have the means to grow, rather than being stifled by an ill-fitting financial harness. Join us for a conversation that is rich with insights and brimming with the know-how to sustain the future of agriculture.

Ready to unravel the financial web of poultry farming? Ira Wray, known as the 'chicken man' of Western Kentucky, joins us to lay out the landscape of agricultural lending with the kind of expertise that only comes from years in the trenches. From his start under the wing of Seth Carter to becoming the go-to Relationship Manager for structuring complex poultry loans, Ira's journey is rich with insights. He doesn't just talk shop; he teaches us how to tailor financial strategies to meet individual farmer's needs, ensuring the growth and success of their agricultural endeavors.Transitioning to the world of chicken farming isn't for the faint of heart, but with Ira's guidance, it's a path paved with opportunities. In this episode, we tackle the nuances of balancing property features against potential cash flow, the importance of land suitability and financial planning. Whether it's leveraging farming programs for newbies or veterans or diversifying operations, Ira's advice is golden for anyone considering a foray into farming. Plus, get a peek into the personal side of farm management and how family dynamics play a pivotal role in financial decisions.Finally, we get down to brass tacks with poultry barn financing and the intricate dance with regulations. Ira walks us through the considerations of different poultry systems, the environmental impacts, and the financial implications of starting or expanding your chicken empire. We examine how to manage assets, navigate cash flow, and align financial strategies with the longevity of farm operations, all while keeping an eye on the personal shifts that come with diving into farming full-time. This episode isn't just a masterclass in poultry farming finance—it's a blueprint for thriving in the business of agriculture.

 Matt Ramage of Hutson Incorporated, a seasoned veteran in the agricultural industry sits down with us to discuss equipment trading and advances. We pull back the layers of the complex yet vital process of equipment trading. Matt's deep roots in farming illuminate our discussion, revealing how this crucial aspect of agriculture intertwines with the necessity to manage costly repairs and the constant push towards modernization. Tune in to grasp how advanced tools like the auto steer not only ease the farmer's burden but also revolutionize productivity. It's a rich tapestry of insights for anyone curious about the economic and practical decisions that drive the agricultural industry forward.This episode doesn't just scratch the surface; it gets into the meat of what it means to balance the books in the world of high-stakes farming. Matt dissects the financial intricacies surrounding the trade cycles of pricey farm equipment, with an eye on minimizing losses from depreciation and maximizing gains from cutting-edge technology. We examine the delicate dance between embracing innovation and safeguarding equity, providing you with an insider's look at how farmers evaluate their machinery's worth and the timing of trades. For those managing an agricultural business or simply fascinated by how farmers navigate these significant investments, this conversation offers a trove of valuable perspectives on the machinery that feeds nations.

Unlock the secrets of financial success in the farming industry with the astute Mrs. Penny Wade of Wade Farm Financial Services. In our latest engaging conversation, Penny recounts her compelling tale of transforming a family legacy into a booming enterprise, offering indispensable wisdom on the significance of financial diligence for agricultural success. She introduces a trio of offerings that are essential for any farmer's fiscal toolkit: meticulous tax preparation, in-depth financial reporting, and forward-thinking strategic planning services. Her insights on estate and succession planning are particularly eye-opening, revealing a roadmap for navigating the complexities of tax laws and asset management.Picture this: A world where financial records work seamlessly to support loan applications and tax strategies unfold with the precision of a well-oiled machine. That's the reality Penny Wade helps her clients achieve through Wade Farm Financial Services. The episode peels back the layers on how her strategic decision in 2019 accelerated growth and reinforced client relationships. It's a testimony to the synergy between client cooperation and efficient financial operations, and a testament to the importance of long-term partnerships. As you listen, you'll learn how proactive tax planning meetings between Thanksgiving and Christmas can prevent those end-of-year tax blues and position farmers for a prosperous new year.Navigating the intricacies of estate tax planning? Consider this episode your compass. Penny elaborates on the potential pitfalls and strategic maneuvers in this often-daunting territory, from understanding the impact of high-value land and equipment to leveraging irrevocable trusts and the concept of a stepped-up basis. For those inheriting wealth, these insights are invaluable in minimizing future tax burdens. Whether you're a seasoned farmer or just inheriting your first piece of farmland, the final chapter of our discussion with Penny Wade equips you with the critical knowledge to confidently approach estate planning and prepare for that all-important meeting with a tax professional.

When you're face-to-face with a life-or-death situation, all that matters is survival. Our guest, Keith Lowry—esteemed member of the River Valley AgCredit Association and a soul deeply rooted in farming—opens up about his chilling encounter with fate when his excavator turned treacherous. His story, bathed in the stark reality of farm work's perils, brings to light the indispensable role of technology, as an SOS from his phone became his lifeline in a land where cell service dared not tread. Keith's unwavering spirit and his brush with death serve as a stark reminder of agriculture's unpredictable nature and the lifesaving grace of modern devices.Carving a life in agriculture is more than just tilling the land; it's crafting a legacy of service and community. In our heart-to-heart with Keith, a man who embodies the very essence of farming excellence—honored as Kentucky's Farmer of the Year in 2015—we celebrate the richness of a life dedicated to the soil and to others. He shares insights on the true wealth found in family, kindness, and a sense of belonging to a community, and how these values are ingrained in every furrow of a farmer's field. Keith's journey from a loan in '74 to becoming a cornerstone of his community reminds us that the fruits of the land are not just crops, but the seeds of human connection we plant along the way.The tapestry of agriculture is woven with threads of generational wisdom, steadfast toil, and the gentle touch of nature's hand. This episode paints a portrait of a family’s agricultural odyssey, reflecting the generational baton passed from a supportive grandfather to the loving hands of a grandparent eager to nurture the next crop of family farmers. And with the yearly gamble of harvests hinging on the whims of weather and markets, we shed light on crop insurance's role as a modern farmer's shield against the unforeseen. As we share these tales from the heartland, we invite you to join us in embracing the true spirit of farming—a blend of challenges and triumphs that forges the resilient backbone of our rural communities.

Dare to delve into the intricacy of crop insurance with Hunter Bray from River Valley Ag Credit? We promise you an enlightening journey that uncovers the complexities of two main types of crop insurance - MPCI and crop hail. Hunter, a seasoned agent, patiently unravels the intricate connection between yield and revenue protection, while shedding light on the critical role of the actual production history (APH) in determining insurance guarantees. He also explores the significance of projected and harvest prices in assessing potential losses. Probe deeper into the challenging terrain of unpredictable weather patterns, as Hunter elucidates how crop insurance can serve as a safety net for farmers tussling with droughts and floods. Hear from him about the plethora of crops that insurance can cover, way beyond those typically grown in certain regions. He also shares valuable insights on the importance of establishing trust with clients. Toward the end, Hunter looks at the future prospects of livestock insurance, service area expansion, and eligibility for both farmers and landlords to avail crop insurance. Don't miss this insightful episode that promises to enrich your understanding of the vital role of crop insurance in agriculture.

Ever been inspired by the unbroken spirit of a community? Today, we're taking you on an uplifting journey to Graves County, where we'll explore the remarkable recovery following the devastating tornado that struck Mayfield in December 2021. Our guest unveils the extraordinary stories of how the farmers and the agricultural community immediately sprang into action, providing aid and support to restore normalcy. We'll also dig deeper into the long-term recovery process, emphasizing the significance of patience and courage in decision-making. Plus, hear about the role of River Valley AgCredit in supporting agriculture in Graves County and enhancing its economic development.Fast forward two years to the Haunted Graves Festival and Events – a testament to the indomitable spirit of the Graves County community. Discover how this close-knit community bonded together to raise funds to enhance downtown Mayfield and learn about the success of the creative and competitive River Valley AgCredit Bale Trail. Our guest imparts insights about the thriving food & beverage business and the variety of events that took place during the month, including the FNB Glowing Graves Halloween Parade, corn mazes, and much more. Fancy a spooky yet inspiring adventure? Tune in to our podcast and prepare to be moved by the resilience and strength of the Graves County community. 

Are you curious about the intricacies of agricultural lending and the role of a cooperative lender? Well, buckle in for an insightful conversation with our guest, Kyle Yancey, the President and CEO of River Valley AgCredit. Kyle unravels the complex world of ag lending, highlighting the differences between the ag cooperative system and commercial banks, and how his organization has tailored their services to fit various scenarios, including home loans without farm income. We then journey behind the scenes of River Valley AgCredit's loan process, revealing the power of the cooperative lender's unique decision-making prowess in providing quick loan closures. Kyle underscores the influential role of relationships, market acumen, and predictive abilities in the loan approval process, providing a context-rich understanding of the world of agricultural finance. Adding to this, we also delve deep into the funding dynamics and loan rates, discussing how the cooperative lender maintains consistent rates while remaining competitive.

Imagine owning a century farm but also being a full-time civil servant, eventually trading in your badge and uniform for a John Deere tractor and a life on the farm. That’s exactly what our guest, Don Massengale, did when he transitioned from being a firefighter, paramedic, and police officer to embracing the labor and love of farming. In this captivating conversation, Don, alongside his wife Karen, takes us on a journey through their generational farm, exploring the daily grind, the unique challenges of modern farming such as drought, flooding, high interest rates, and soaring land prices.We also delve into the Massengale’s relationship with River Valley Ag Credit and how it has shaped their farming journey. Discover the role Don plays as a Director at River Valley AgCredit. Find out about the Young, Beginning and Small (YBS) Farm Program, an initiative designed to provide support and opportunity to young, aspiring farmers. The Massengales share their wisdom, their struggles, and their triumphs, offering invaluable advice for those considering a venture into the farming industry. So, buckle up and join us on this farming adventure as we uncover the realities and rewards of farm life, the importance of a supportive partner in this demanding industry, and the joy of watching the growth of life, season after season.

Are you ready to stake your claim and invest in land but puzzled about where to start? Clear that confusion as we, Chris Griffin and Jordan Turnage, guide you through the intricate process of land purchasing and financing in this enlightening episode of Back to Your Roots. We walk you through working with banks and Farm Credit Associations, educate you on the various types of loans available, and reveal how you can customize the loan process to suit your unique needs. Land financing isn't just about securing the cash for your purchase—it's also about leveraging opportunities and minimizing risks. We delve into the potential of refinancing to modify your loan terms without bearing additional costs, and the idea of cross-collateralizing your loan with another property to lower the initial down payment. We also bring to light the importance of setting up an LLC to protect your personal liability and offer tips on what to look for when considering the purchase of hunting properties. But the journey doesn’t end with the purchase. It is essential to seek professional guidance to ensure you reap a good return on your investment. Tune in as we discuss the importance of finding a realtor specializing in land and farm purchases, the value of having pictures and videos of the property, and why you need appraisers who know the ropes when it comes to property.  Let us help you make informed decisions in your land-purchasing journey. Tune in, learn, and grow with us on Back to Your Roots.

Prepare to be swept away by the riveting tales and insights from our esteemed guest, Kentucky Commissioner of Agriculture, Ryan Quarles. From the cornfields of the Fancy Farm Picnic to the bustling Kentucky State Fair, come journey with us as we explore the far-reaching impact of agriculture in Kentucky, narrated by the very man at the helm. Ryan shares his personal experiences growing up on a family farm and brings to light the multifaceted responsibilities of his role as the Commissioner since 2016.Our adventure takes us through some of the pivotal initiatives of the Kentucky Department of Agriculture. As we speak with Ryan, he uncovers the workings of the Kentucky Hunger Initiative and the Kentucky Proud food package. This actionable approach to reducing hunger while supporting farmers and agribusinesses in the state will give you fresh perspectives on how local agriculture can be leveraged for community welfare. Ryan also shares his aspirations for the program to continue its crucial work even after his tenure.We wrap up our discussion by exploring the potential of hemp as a sustainable crop in Kentucky, its emergent markets, and the role of the FDA in steering this industry. Furthermore, Ryan walks us through his noteworthy achievements, including fundraising $5.1 million dollars for Kentucky 4-H and FFA. He also lets us in on his future plans, hinting at aspirations for higher education and possibly another political run. So, buckle up and immerse yourself in this deep dive into Kentucky's agricultural landscape - one full of hope, resilience, and innovation.

Ever wonder what it's like to grow up on a farm, toiling the soil and reaping the rewards of a hard day's work? Today, we pull back the barn doors and immerse ourselves in the life of 10-year-old Mosey Ralph, an extraordinary farm kid with an abundance of tales to tell. Mosey's world is one filled with chicken barns, cornfields, and heavy machinery, and he's not shy about sharing the joys and burdens of being the only boy in a family of girls on this bustling farm.Step into the world of the Ralph family, where farming isn't just an occupation, it's a legacy. As Mosey's father reflects on the pride of seeing his son ready to take up the mantle, we explore the tireless work ethic and unwavering determination that are the backbone of this family business. From dealing with unforgiving terrain to nurturing dreams of further education, join us as we traverse the challenging yet rewarding landscape of farm life through Mosey's eyes.But farming is not just about crops and equipment; it's also about community and faith. We learn from Mosey's family about the crucial bonds formed with agricultural lenders and the invaluable support they've received. Discover how faith plays a pivotal role in their lives and how the farming community rallies together in times of adversity. Whether it's the shared hardship of a bad harvest or the shared joy of a good one, it's these relationships that hold the farming world together. So, sit back, relax, and join us on this journey through the highs, the lows, and the everyday miracles of life on the Ralph family farm.

On our inaugural episode of Back to Your Roots we introduce our intrepid hosts as well as get an exclusive interview with River Valley AgCredit President/CEO Kyle Yancey. We get the down low on how a cooperative works, River Valley AgCredit's history, and the day-to-day operations of the President/CEO.Next time we'll be interviewing Mosey and Justin Ralph about life as a farm kid.