Since 1995 the top 25 percent of farm managers earned more than 10 percent on their investments.Ag lenders also have to counsel farmers and ranchers on living cost management. Family living costs have risen dramatically over the last four decades. In 1967, family living withdrawals were $4,000 per year. In 1986, costs had increased to $20,000 and by 2011 they were at $80,000.40 percent of farmers and ranchers have no health insurance.