MARK KOHLERMain Street Professionals, Main Street Professionals, Main Street Professionals, Main Street Professionals, Main Street Professionals, LLC · Owner at Main Street Professionals, LLC

The Best Investment You Can Make in 2025

2 Nov 2025 · 1 min

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In this segment of his YouTube video, Mark Kocher argues that the safest and most valuable investment you can make is in yourself and your business, but cautions against putting all of your capital back into business assets at the expense of retirement savings. He shares a story about a farmer in Idaho who, despite owning massive potato sheds, trucks, and equipment, has only $50,000 in his 401(k) because he reinvested every dollar into the farm. The farmer admits he’s scared because he has no financial safety net. Kocher uses this anecdote to illustrate the danger of over‑capitalizing a business without maintaining separate retirement “buckets.” He then challenges viewers to consider pulling $69,000 (or a similar amount) out of their business cash flow and allocating it to retirement accounts for themselves or their spouses, emphasizing the importance of diversified financial planning.

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What do you feel is your best, most safe investment? You. Your business, you put it right back into your business. And I've done that for years. And I was talking to a good farmer friend of mine in Idaho. He's got thousands of acres of potatoes, and he say, mark, look around. I've got these huge potato sheds where we put millions of potatoes every year. And look at all my trucks and look at all my equipment. He goes, guess how much I have in my 401k? $50,000. After all this, he's my age, he's in his 50s. And he was like, I blew it. I put all my money back into the farm, all my money into trucks and barns and buildings and all this. And he goes, I'm scared to death. If there's a problem with my. I don't have any other bucket of money, and I could have been doing this every year for the last 10 years. And so the point being here is, you may go, well, 69,000 is a lot of money to put away every year for my spouse or even myself. Yeah, but didn't you put 69,000 back into your business? Couldn't you pulled 69,000 out of your business and maybe put it in a different bucket? That's what we're talking about.