WinEH! Podcast

Most people think life insurance is just a death benefit.

That misunderstanding is costing families, business owners, and ranchers liquidity, flexibility, and long-term control.

In this episode, Winnie Lau and Lacy unpack two real conversations that revealed a deeper issue:
 People confuse insurance thinking with Infinite Banking thinking.

You'll hear:

Why a dividend-paying whole life policy is treated as an asset by banks

How cash value is viewed differently than real estate or land

Why age is the wrong lens when evaluating Infinite Banking

The diff...

This episode is being reshared for one simple reason—it reminds us what actually matters.

In a candid, unscripted conversation, Lacy and Reid talk about why they chose a different financial path, how it changed daily decisions on the ranch, and what it gave them during one of the hardest seasons of their lives.

This is not just a discussion about Infinite Banking.
It's about:

Creating breathing room when life doesn't go as planned

Raising children inside real financial conversations

Making decisions from clarity instead of fear

...

Winter on the ranch looks different.

The work is still there — feeding cattle, checking fences — but the pace shifts. And that shift creates something rare: space to think.

In this Christmas-day episode of The Rancher Way Show, Winnie reflects on why this quiet season is one of the most powerful times to reassess how money is flowing through your operation and your life.

This conversation covers:

In this episode, Winnie and Lacy dive into the powerful overlap between cattle marketing and the Infinite Banking Concept®, inspired by their recent experience at Doug Ferguson's Master Marketers in the Making event in Alberta.

Whether you run cattle, grow crops, or are building a multi-generational operation, this conversation will help you rethink how you earn, keep, and flow money through your ranch year.

We talk about: 

What ranchers can learn from Doug Ferguson's outside-the-box marketing 

How one extra paycheck a year can change your stress level

Why...

Hey There,

We've got something special for you this week. We had the pleasure of being guests on Tracy Brunet's podcast, The Impact Farming Show earlier this year to share our passion for helping Canadian farmers and ranchers implement The Infinite Banking Concept.

If you've ever felt like the bank has more control over your operation than you do, this conversation is for you.

We shared our journey, the financial challenges that pushed us toward this strategy, and how we've teamed up with our friend and original author of Farming Without the B...

Are the stories you tell yourself about money helping you… or quietly hurting you? In this honest and eye-opening episode, Winnie and Lacy dig into the three most common lies people believe about money and how those lies can derail even the best financial intentions — especially for families, ranchers, and anyone trying to build long-term financial freedom.

Together they unpack: 

Why "I'll save when I make more money" is a trap

Why term insurance should really be called death insurance

Why stress, fear, and impatience lead people to terminate policies too early...

If your IBC policy isn't performing the way you expected. 

This episode tells you exactly why.

Fresh off an intimate private session with Farming Without the Bank author Mary Jo Irmen, Winnie and Lacy break down one transformational challenge she gave a client:

Stop paying only the required premium.
Start paying the full premium.

In this episode, we explore:

• The psychology behind minimal vs. maximum premium
• Parkinson's Law and optimizing policy performance
• The real cost of avoiding your finances
• Why full premiums build a stronger financial t...

 and Lacy sit down on the first snowy day of 2025 to talk about something stirring up emotion across the ag community: cloned meat hitting the Canadian marketplace. They share their own reactions, the concerns they're hearing from families, and the very real question—what can we actually do about it?

This heartfelt conversation moves from fear and frustration to empowerment, highlighting the role of financial self-reliance, small daily choices, and supporting local producers. The girls also discuss raising the next generation, overcoming comparison, and why Infinite Banking is helping families stay rooted on their land.

A g...

In this episode of Ranch Your Way, Winnie and Lacy open up about the truth behind life insurance—why it's so misunderstood, and what happens when you wait too long to apply. Lacy shares her own story of being diagnosed with cancer and how having coverage before that diagnosis gave her peace of mind and financial stability. Together, they unpack why insurability isn't guaranteed, what "qualifying" really means, and how families can use Infinite Banking to protect and grow wealth across generations.

Whether you've been skeptical about insurance or just never had it clearly explained, this conversation will...

Your money works hard—don't let hackers steal it. In this episode, Winnie and Lacy reveal how digital thieves target everyday Canadians, share practical cybersecurity habits you can start today, and explain how life insurance companies protect your information. Tune in for real examples, relatable insights, and a healthy dose of "choose your hard" motivation to take your online safety seriously.

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One ranch family thought $270/month was too expensive—until an accident changed everything. Instead of income protection, overhead coverage, and funds for an accessible home, they faced selling half their herd, unexpected medical bills, and years of financial strain. In this episode, we unpack how small, affordable policies could have replaced lost income, covered business expenses, and kept their operation afloat. Learn how to protect your ranch without breaking your cash flow.

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In this Ranch Your Way episode, Winnie and Lacy review Page 27 of Becoming Your Own Banker—the summary of Part 1 of Nelson Nash's classic. Together they revisit the key principles that built the Infinite Banking Concept: the importance of imagination, avoiding the "grocery store trap," understanding the "money problem," and practicing capitalization with patience and discipline.

They connect these lessons to real ranch life—harvest paydays, dream boards, and family cash-flow decisions—showing how Infinite Banking isn't an investment product but a system of thinking. If you've ever wondered how to turn seasonal income into lasting legacy, this revi...

A straight-shooting conversation about money, control, and how to stop letting the bank call the shots.

n this episode, Winnie & Lacy sit down with Mary Jo Irmen, creator of Farming Without the Bank and author of Life Without the Bank, for a down-to-earth conversation about money, control, and legacy.

Together, they talk about why farmers and ranchers need to make the bank Plan B, not Plan A, and how the Infinite Banking Concept gives families a way to finance their operations differently.

Mary Jo also shares how the idea for the Canadian edition...

Summer check-ins turn into a candid talk on focus, boundaries, and better money decisions. 

Winnie and Lacy share why ditching constant notifications (goodbye, smartwatch in meetings and phone in the bedroom) boosts clarity—then connect that clarity to Infinite Banking basics from Becoming Your Own Banker (Page 26):

You finance everything you buy—cash, borrowing, leasing, or the IBC "fourth way."

Control vs. convenience: store cash at the bank or in your own entity (policy) and keep liquidity while your money keeps working.

Deposit Options (PUAs): making dollars do more than one job.

Div...

Ranchers across North America are celebrating record-high cattle prices—but as history shows, good times don't last forever. In this episode, Winnie and Lacy dive into the realities of today's beef market and how ranching families can capitalize on opportunities while preparing for inevitable downturns.

You'll hear:

Why record cattle prices can feel like a double-edged sword

How to pivot and protect your operation when markets swing

The importance of cash flow control and Infinite Banking in ranching

Real rancher stories about beef prices, lifestyle choices, and financial resilience

In this episode, Lacy sits down with her longtime friend and now client, Billie Heggie to share her inspiring journey as a wife, mom, and entrepreneur in the network marketing world. She opens up about how her family discovered Infinite Banking, the peace and freedom they now feel after implementing it, and the impact it's had on both their finances and their family life.

We also dive into their financial mindset today, showing how they're passing down confidence, independence, and a solid foundation of money values to their kids.

If you've ever wondered how to...

In this episode of our Becoming Your Own Banker book study, we dive into pages 21–25 and explore how dividend-paying life insurance allows you to create your own banking system. Nelson Nash reminds us that you finance everything you buy — the question is, who will benefit from that flow of money: the banks, or your family?

We'll unpack how these pages connect the principles of opportunity cost, conservative engineering, efficiency over time, and disciplined repayment to the real-world challenges of today. Think of Infinite Banking as building your own financial lighthouse. Inflation, rising housing costs, and uncertainty about intere...

In this heartfelt conversation, Winnie Lau sits down with 71-year-old Debra Nelson at Heart of the Horse 2025.  Debra   opens up about the lessons she wishes she had known in her 20s, the importance of guidance, and her desire to leave a legacy for her family and community. Together, they discuss procrastination, the power of continual learning, and why it's never too late to take control of your financial future. Whether you're in your 30s, 50s, or 70s,  Debra 's reflections offer timeless wisdom and encouragement.

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In this episode, Winnie and Lacy sit down with Niki, the visionary behind Heart of the Horse in Medicine Hat. Niki shares how this incredible event has grown into more than just a colt-starting competition—it's become a gathering place for the ranching and agricultural community, built on values of resilience, family, and hard work.

We explore the behind-the-scenes effort it takes to bring her dream to life, why Heart of the Horse resonates with both horse lovers and newcomers alike, and how shared stories of triumph and hardship connect farming, ranching, and family life.

You'll...

In this in-depth episode, Winnie Lau sits down with Chris Thompson of Equitable Life of Canada for Part 2 of their trust series — this time diving deep into how to actually implement trusts in Canada.

You'll learn:

How trusts work with corporations, sole proprietorships, and partnerships

The difference between an estate freeze, a Section 85 rollover, and a Section 86 freeze

How to keep more of your wealth by minimizing taxes when passing your business, farm, or ranch to the next generation

Why Canadian farmers and ranchers have unique advantages in wealth transition

Why does Infinite Banking feel like you're making double payments — one for the premium and another for loan repayments?

Here's the truth: it's not double payments… it's double purpose.

In this episode, Winnie Lau breaks down the mindset shift that turns financial stress into strategy. Discover how your premium and loan repayments actually fuel your own warehouse of wealth, giving every dollar two jobs — freedom now and freedom later.

Learn how Infinite Banking can:

Keep your cash flowing with purpose

Turn repayments into momentum

Build wealth and legacy...

In Part 1 of this special series, Winnie Lau sits down with Chris Thompson of Equitable Life of Canada to demystify the role of trusts in Canada — and why U.S.-style strategies like vortex banking and spendthrift trusts don't translate north of the border.

You'll learn:

The truth about U.S. spendthrift trusts and why CRA rules make them very different in Canada

When a trust is worth setting up — and when it's not

How inter vivos and testamentary trusts work

Why trusts are a tax deferral tool, not a magic tax loop...

In this episode, Lacy sits down with her favorite cowboy, her husband Reid - a former professional bareback rider, skilled journeyman welder and now a full-time rancher working alongside his uncle.   They talk about lessons learned from life on the road, hard work in the oil patch, and the long game of ranching. Reid shares how Farming Without the Bank landed in their hands, why Infinite Banking immediately clicked for him, and why it aligned with a gut feeling he had all along - that traditional retirement plans just didn't sit right.   Reid and Lacy share how they've built a fami...

This episode isn't about theory—it's about doing the work. Winnie and Lacy share what happens after you get your policy and how to use it with clarity, confidence, and control.  From taking loans to staying organized and anchored to your "why," they break down the habits and mindset shifts that separate successful Infinite Bankers from those who stall out.  If you're serious about getting this right, this is your service message.  

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In this episode, Winnie and Lacy dive headfirst into the debate between Dave Ramsey's traditional financial advice and the Infinite Banking Concept.    They break down key differences in philosophy, challenge the myths surrounding whole life insurance, and explain why Infinite Banking isn't about debt—it's about control.    If you've ever questioned whether mainstream advice actually works for your family, this episode will give you a new perspective (and a powerful alternative).

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YouTube: http://youtube.com/@WinEHpodcast

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Follow Ranch Your Way 

Instagram: http://instagram.com/ranch_your_way

YouTube: http://youtube.com/@WinEHpodcast

Facebook: https://www.facebook.com/RanchYourWay  

► Learn more: https://www.ranchyourway.com

► Get the books: https://www.ranchyourway.com

Follow Ranch Your Way 

Instagram: http://instagram.com/ranch_your_way

YouTube: http://youtube.com/@WinEHpodcast

Facebook: https://www.facebook.com/RanchYourWay  

► Learn more: https://www.ranchyourway.com

► Get the books: https://www.ranchyourway.com

"Those who have the gold make the rules." In this episode, Winnie and Lacy unpack this hard truth and explore how it quietly shapes your financial life. They dive into what Becoming Your Own Banker teaches about reclaiming control—so you stop letting lendors and those you can't control call the shots. If you're tired of playing by someone else's rules, this conversation is your invitation to change the game.

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In this episode, Winnie and Lacy continue their Becoming Your Own Banker book study with a deep dive into Willie Sutton's Law—revealing how traditional financial systems quietly siphon away your wealth. 

They unpack how the Infinite Banking Concept offers a smarter, more flexible way to protect your money and take back control. If you're tired of playing by the bank's rules, this is one conversation you won't want to miss.

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In today's episode, Winnie & Lacy begin to explore the human problems explained by Nelson in Becoming Your Own Banker. Parkinson's law focuses on the financial habits that often hold us back. They reflect on how mindset, discipline, and daily choices influence long-term stability--especially through the highs and lows of farming and ranching. Listen in to hear why shifting your habits is the first step toward lasting financial freedom.

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What if the best BANK for your family… were you? In this episode, Winnie and Lacy explore pages 19–20 of Becoming Your Own Banker and break down how to build your own personal banking system using dividend-paying whole life insurance. They discuss the concept of cogeneration, how this strategy taps into a system that already exists, and why it's time to stop relying on traditional banks. This episode is a wake-up call to take back control of your money—and create a financial future that truly serves you.  

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In this episode, Winnie and Lacy unpack "The Problem" as outlined in Nelson Nash's Becoming Your Own Banker—revealing how most people unknowingly operate in a financial system designed to drain their wealth. From hidden interest costs to tax traps and poor cash flow habits, they explore the financial headwinds that quietly work against families and entrepreneurs. Through relatable stories, faith-based insight, and real-world examples, this conversation will challenge how you think about money—and introduce Infinite Banking as a radically different way forward.  

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Nelson Nash's famous "Grocery Store Example" from Becoming Your Own Banker, highlights how self-discipline is an important component of creating long-term financial freedom. Listen in as Winnie & Lacy explore the parallels between running a business and managing personal finances, emphasizing the cost of "stealing the peas." This episode is packed with real-life stories and insights, and is a must-listen for anyone serious about taking control of their financial future.

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In this episode of the Becoming Your Own Banker book study, Winnie and Lacy dive into page 14 to explore a concept most people skip right over—imagination. Why does something so simple have the power to completely shift your financial future? Because the way you think about money is the first step. From breaking free of survival-mode thinking to envisioning true financial independence, this conversation will challenge you to imagine what's really possible—for you, your children, and generations to come.

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In this episode, Winnie and Lacy continue their deep dive into Becoming Your Own Banker by exploring how Nelson Nash first conceived the Infinite Banking Concept. They discuss the financial hardship that led to his revelation, share personal experiences of being over-leveraged, and explain why understanding this concept could help you weather any financial storm. Whether you're just learning or ready to take action, this episode offers both insight and encouragement.

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In this inspiring conversation, Winnie welcomes Rebecca Undem to explore what it truly means to build resilience in small towns and rural communities—especially when the world feels uncertain. From navigating economic pressures and emotional tolls to reimagining personal finance through the Infinite Banking Concept, this episode is a call to anchor into purpose, think long-term, and create local impact.

We dive into practical strategies for thriving where you are, staying rooted in your values, and taking control of your financial future—no matter what's happening across North America. If you've ever felt like you're being told to "wai...

With political and economic uncertainty growing in Canada, many are questioning how to protect what they've built. In this powerful episode, Winnie and Lacy They unpack the power of the Infinite Banking Concept as a way to build personal stability, create generational wealth, and reclaim control over your cash flow in uncertain times. Tune in for real talk, practical insights, and a fresh perspective on taking control of your financial future—no matter what's happening in the world around you.

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A market downturn isn't just a blip—it's a wake-up call. In this episode, Lacy unpacks the recent market crash and what it reveals about the financial habits and assumptions many people rely on. She explores the Infinite Banking Concept as a steady, long-term alternative and explains how dividend-paying whole life insurance can provide protection when traditional markets falter. Drawing from the principles in Becoming Your Own Banker and Farming Without the Bank, Lacy challenges the status quo of retirement planning and invites you to rethink where—and how—you build your financial security.

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In this episode, Winnie sits down with Peter, a client and passionate advocate of the Infinite Banking Concept (IBC), to unpack his personal journey into alternative finance. Peter shares what pushed him away from traditional banking, how IBC supports entrepreneurial freedom, and the key lessons he's learned along the way. From the educational process to the real-world benefits and challenges, this honest conversation is a must-listen for anyone ready to take control of their financial future.

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Spring is the season of new beginnings—so why not refresh how you manage and grow your money? In this episode, Winnie shares key takeaways from the Infinite Banking Think Tank in Florida and explores how a more intentional financial system can help you regain clarity, confidence, and long-term control. Whether you're just discovering Infinite Banking or deep into your journey, you'll learn how to move away from dependence on lenders and creditors—and start building a plan that truly supports your family's goals.

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In this episode, Lacy is joined by Daniel Doerksen, co-owner and 4th Generation of Gemstone Cattle & Gemstone Grassfed Beef located near Gem, Alberta. They discuss the evolution of their business, from raising forage-fed beef to creating unique products like beef tallow, and how sustainability, regenerative farming, and collaborations with other companies are shaping the future of agriculture. Tune in to hear about the challenges and rewards of running a family farm and the importance of passing down strong values and work ethic to the next generation.

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In this episode, Winnie and Lacy challenge the conventional idea of retirement and explore why the passive income narrative may be holding you back. They unpack a powerful alternative: using high-premium whole life insurance can greatly contribute to experiencing financial control and become a part of your income stream when you're not actively working any longer. If you've ever wondered whether traditional retirement is the right goal, this episode will help you rethink what true security and freedom could look like.

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Instagram: http://instagram.com/ranch_your_way Duration: 00:29:24

In this episode, Winnie (the Canadian author of Farming Without the Bank) sits down with her good friend & author, Mary Jo Irmen, the force behind the Farming Without the Bank and Without the Bank podcasts. Together, they break down how Infinite Banking is transforming the financial future of farmers and ranchers, why the Canadian and U.S. approaches differ, and how proactive financial decisions can safeguard your operation in uncertain times. If you're tired of relying on the bank and want to take control of your financial future, this conversation is a game-changer.

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In this episode, Winnie and Lacy break down the true cost of financial offers that promise easy money but come with hidden pitfalls. Lacy shares a recent $10,000 loan offer she received in the mail, sparking a deeper conversation about predatory lending and the long-term impact of these deceptive deals. Don't let a quick fix become a financial setback—tune in and learn how to protect yourself.

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► Lear...

Join Winnie and Lacy as they break down Page 3 of R. Nelson Nash's Becoming Your Own Banker book.  In this episode, they reveal why financing needs often outweigh the focus on a death benefit—and what that means for your financial future. If you're ready to rethink banking and take control of your wealth, this is where it starts!

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► Learn more: https://www.ranchyourway.com<...

Farming comes with financial challenges, but what if you could take back control and create a lasting legacy for your family? In this episode, Rob Wunder shares how The Infinite Banking Concept has given him more financial freedom, stability, and peace of mind. He talks about the power of building generational wealth, why he believes in setting up financial systems for children early, and how taking control of his finances has changed the future of his farm. If you're looking for real-life insights on making money work for you—not the banks—this conversation is one you won't want to miss!<...

Live from the Soil and Health Grazing Conference 2024, Winnie sits down with Robert Lacey of Delta Remediation and Brent Croucher of RezFree to discuss a game-changing organic supplement. RezFree is transforming soil health and crop yields—from backyard gardens to large-scale farms. But is it the key to maximizing ROI? We'd love to hear your thoughts! Tune in to learn how this innovative solution is helping farmers restore their land, increase production, and improve profitability—all while staying 100% organic. Let us know: Do you see this as a viable way to boost ROI?

In this episode, Winnie sits with Sherwin Watson, a long-term client who discovered the Infinite Banking Concept in 2018 and used it to gain true financial control. Sherwin shares his journey, the challenges he overcame, and the practical benefits he's experienced—like preserving wealth and achieving financial freedom with sanity.  If you're looking for real-life insight into how Infinite Banking works in practice, this episode is for you.

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We sit down with Wolter, a young rancher who made the bold decision to walk away from traditional banking. 

He shares what opened his eyes to the pitfalls of conventional finance, why he's embracing the Infinite Banking Concept, and how taking control of his own capital is changing the way he manages his ranch. 

From financial security to aligning money with his values, Wolter's journey is a must-hear for anyone questioning the banking system.

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Is traditional farm financing holding you back? In this episode, Rick Stephens shares how he transformed his ranching operation by integrating Ranching for Profit and the Infinite Banking Concept. Discover how these strategies work together to improve cash flow, build long-term wealth, and create financial flexibility—without relying on banks. Rick also reveals how tailored whole life insurance policies can protect your estate and secure your family's future. If you're looking for a smarter way to manage money in agriculture, this conversation is a game-changer.

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In this episode, we tackle one of the biggest challenges facing family farms and ranches: why younger generations are hesitant to step into farming operations. From financial struggles to outdated ways to financing operations, we explore the roadblocks that drive them away and share proactive solutions to turn things around. Discover how a family banking system can reduce stress, foster unity, and create a sustainable path forward. If you're looking to secure your legacy and inspire the next generation, this episode is a must-listen.

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Join us live from the Western Canada Soil and Health Grazing Conference as Michael Launer, Founder and General manager of Annelida, shares insights into their groundbreaking approach to divert green waste from landfills and transform it into nutrient-rich worm castings. Discover how Annelida utilizes over 100 million worms to produce organic fertilizers that benefit farmers, gardeners, and large-scale agricultural operations alike. Learn about their patented process for creating liquid extracts, their impact on soil health, and the significant cost savings and yield improvements for farmers using their innovative products.


Annelida Soil Solutions: www.annelida.ca

<...

Recorded live at the Soil and Health Grazing Conference, this episode features Sonja Shank diving into the Environmental Farm Plan (EFP) and its vital role in the AgriInvest program. Sonja emphasizes the importance of starting early and leveraging the resources available to farmers, including guidance from certified technicians. Tune in to learn how the EFP can support your farm's sustainability and financial growth while ensuring compliance with industry standards.

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The media portrays cancer patients as financial victims and sends a strong underlying message for more government aid—but is that the real solution? In this episode, we are excited to share with Canadians a viable and empowering solution that examines the financial gaps faced by Canadians and the safety net you need to avoid financial ruin. This is a financial solution you have control over when you have no control over when or if Cancer hits you or your loved ones. Join us as Lacy shares her own personal story of how this financial solution helped her and he...

Live from the Soil and Health Grazing Conference in Edmonton, 2024, we chat with Adrienne Hanson about the power of proactive grazing plans. Learn how advanced grazing systems, mentorship opportunities, and support from the Canadian Forage and Grassland Association can transform your approach to sustainable ranching.   
Alberta EFP: https://www.albertaefp.com/
Canadian Forage & Grassland Association: https://www.canadianfga.ca/en/

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Do you know someone who always takes care of others before themselves? Or maybe you've wished for someone outside your circle to talk to?  This episode is for you. Join Lacy and Winnie as they chat with Linda from AgKnow about creating a safe space for farmers to address mental health challenges. Learn about AgKnow's counseling sessions and resources designed to support you—without judgment or cost. It's time to make your well-being a priority.  No excuses, just support. 

AgKnow website: https://bio.site/agknow?fbclid=PAZXh0bgNhZW0CMTEAAaa_IfgrXEJi8QozdkDTIT4P5bd0JeQ2MmfOVhFONw9shhn3i7HVBLkvIjU_aem_z...

In this episode, we uncover the hidden benefits of obtaining life insurance policies for children, emphasizing how they can be one of the best ways to save for the future. Tackling common skepticism and ethical concerns, we explain how these policies secure medical insurability, provide financial advantages across a lifetime, and serve as a cornerstone for building generational wealth. Learn why early life insurance isn't just a policy—it's a powerful strategy for financial security and savings.  

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In this episode, we uncover the hidden costs of convenience in today's financial system, especially for those in agriculture. From personal stories of debt to actionable steps for reclaiming control, we chat about how reliance on traditional banking can quietly steal your freedom. Discover how to break free, preserve your agricultural legacy, and set an example of financial abundance for future generations. If you're ready to rethink your relationship with money and create a path toward true financial sovereignty, this episode is for you.

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Ranchers face unique financial challenges, especially during the high-stakes fall weaning and shipping season. In this episode, we explore how the Infinite Banking Concept can reshape financial planning for ranchers. Learn how to address seasonal income fluctuations, make the most of your yearly earnings, and build a path toward financial self-sustainability. Tune in for insights that can help transform the way ranchers manage their money.

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Your financial habits shape more than just your bank account—they influence your entire life. In this episode, we explore the profound connection between money management and mental well-being. 

One of the most powerful ways to mind your money is to break the silence around it. 

Discover how open conversations about finances can reduce stress, foster stronger relationships, and lead to greater peace of mind. 

Join us as we discuss breaking financial taboos, fostering transparency, and taking control of your money to transform your life.

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Dive into our discussion on how the Infinite Banking Concept can organically solve succession and estate planning for family farms and ranches. Learn about the challenges farmers and ranchers face, especially when it comes to passing on family businesses to the next generation, and discover how IBC offers a flexible and tax-advantaged solution. 

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We are discussing the importance of addressing money dynamics in relationships, emphasizing the necessity of openly communicating financial disagreements, and finding ways to overcome them. We explore how financial paths need to be chosen together and how the Infinite Banking Concept can play a crucial role in aligning financial goals. 

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In this episode, we dive into the misconception that being debt-free means there's no need for Infinite Banking. We explore why a lack of debt is only one piece of the financial puzzle and how IBC offers unique advantages, even for those without loans or liabilities. Sooner or later, an opportunity will arise that may require you to become a borrower—and when it does, having an IBC system in place can give you the flexibility to seize it on your terms. Whether you're committed to staying debt-free or exploring ways to build lasting wealth, learn how IBC can cr...

In this episode, we explore how banks profit from interest and how adopting a similar approach can benefit your finances. Drawing insights from @MaryJoIrmen 's 'Farming Without the Bank', we discuss the challenges of conventional banking, the specific hurdles faced by farmers, and the concept of becoming your own banker. Learn to manage your money with discipline, store it wisely, and embrace a business-like mindset to secure and build your wealth.

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In this episode, we explore the trade-off between control and convenience in your financial life. Is the ease of traditional banking really worth the cost of giving up personal control? Discover how building self-reliant financial systems can provide long-term peace, even if it means stepping away from the convenience of conventional banking. It's time to weigh your options and decide what matters more—convenience or true financial autonomy.

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In this epic face-off, we're pitting two financial heavyweights against each other: Mary Jo Irmen's Farming Without the Bank and Nelson Nash's Becoming Your Own Banker. Which book packs a bigger punch for your financial freedom? We'll break down the key strategies, unique perspectives, and why each one has its fan base. Whether you're a farmer, rancher, or just someone ready to master financial control, this showdown will help you decide which book wins your first read!  

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Wondering if it's too late to benefit from Infinite Banking? Think again! In this episode, we dive into why it's never too late—whether you're in your 50s, 60s, or even 70s. Learn how to take control of your retirement, protect your wealth, boost tax efficiency, and create a lasting legacy for your family. Don't miss these crucial insights on how to make Infinite Banking work for you, no matter your stage in life. 

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In this episode, Winnie and Lacy interview Niki Flundra, the producer of the Heart of the Horse event held in Brooks, Alberta. She is among the top of the field in the Equine industry as a Liberty Horse Trainer and Performer, Professional Stunt Woman in the Film industry, and a Clinician. Nikki shares her journey of creating the event, the challenges faced during the pandemic, and her vision for the future. She discusses the significance of hard work, dedication, and good stewardship in achieving goals, both in horsemanship and life.

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In this episode, Winnie and Lacy interview Niki Flundra, the producer of the Heart of the Horse event held in Brooks, Alberta. She is among the top of the field in the Equine industry as a Liberty Horse Trainer and Performer, Professional Stunt Woman in the Film industry, and a Clinician. Nikki shares her journey of creating the event, the challenges faced during the pandemic, and her vision for the future. She discusses the significance of hard work, dedication, and good stewardship in achieving goals, both in horsemanship and life.

Learn more about Niki & Heart...

In this heartfelt episode, Winnie steps into the spotlight as she opens up about her transformative journey with Infinite Banking, inspired by the wisdom of Nelson Nash, the visionary who introduced this powerful concept. Winnie shares her personal story, from facing challenges in the real estate market during the subprime crisis to finding hope and financial stability through the Infinite Banking Concept in 2009. Together, we explore the profound impact of Nelson Nash's teachings, Winnie's path to becoming an Authorized Infinite Banking Practitioner, and the importance of honoring his enduring legacy. This episode is both a tribute to Nelson Nash...

Join us as we dive into the Infinite Banking Concept (IBC) and explore how it can help ranchers and others replace their debt. Winnie and Lacy address the common question: 'How can we use IBC to replace our debt?' They emphasize the importance of understanding financial vehicles where money compounds even while in use. Highlighting the benefits of financial control and freedom, they discuss Nelson Nash's book 'Becoming Your Own Banker' and the new Canadian version of 'Farming Without the Bank'. Visit  https://www.ranchyourway.com for more resources, to pre-order the book, and to continue your learning j...

In this episode, Winnie and Lacy discuss why the seemingly simple concept of infinite banking often appears complicated. They explore the psychological and emotional barriers, such as unlearning traditional financial beliefs and overcoming feelings of wasted time. Additionally, they highlight the importance of dedication, coaching, and managing finances actively for successful adoption of the infinite banking method. 

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In this episode, Winnie and Lacy pose the question: Why do families repeatedly pay for the same piece of land? We emphasize how legacy planning, effective communication, and smart financial strategies can help families avoid repetitive debt and ensure financial stability. Join us as we explore practical solutions for ranch owners to secure their family legacy and build a prosperous future.

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Join us as we dive into the frequently asked question: 'Why haven't I heard about this before?' We explore the reasons why infinite banking, a concept introduced by Nelson Nash in the 1980s, isn't widely known despite its significant benefits. Discussing skepticism and the psychology behind financial choices, we also highlight the historical context and reliability of the financial vehicle used. Whether you're new to this concept or curious to learn more, stay tuned for insightful discussions and practical advice!

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Join the insightful conversation with Winnie and Lacy as they dive into understanding different types of prospects and the importance of taking decisive action. This episode is about addressing procrastination and making thoughtful decisions about your financial future. They discuss the importance of following through and reading 'Farming Without the Bank' and 'Becoming Your Own Banker,' which explain how you can gain greater control of your money, take over the banking function in your life, and build generational wealth.

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In this episode, Winnie and Lacy reflect on the Hardgrass Bronc Match 2024 in Pollockville, Alberta. They emphasize the importance of community and discuss the generational aspects of rodeo families and the evolution of the event since they began sponsoring it in 2021. The conversation shifts to financial strategies, particularly Infinite Banking, as a method to protect and maximize earnings for rodeo families. They explore how this financial concept can ensure long-term stability and freedom, even after riders retire or face injuries.

Visit our website https://www.ranchyourway.com and explore our resources to keep learning and tak...

Join us as we dive into the fundamental concepts of savings and investing and explore how to effectively manage your money. We discuss how to differentiate between savings and investment accounts, and the potential pitfalls of misunderstanding these terms. We also introduce the Infinite Banking Concept as a way to achieve both savings and investment goals, providing control and growth opportunities for your money. Don't miss out on valuable insights and practical advice to improve your financial literacy.

Visit our website https://www.ranchyourway.com and explore our resources to keep learning and take control of your...

In this episode, Winnie and Lacy discuss their recent experience with a potential client who was intrigued by the Infinite Banking Concept. The client was frustrated with spending $30,000 annually on crop insurance without substantial returns and overlooked the $265,000 paid in bank interest. The hosts emphasize the importance of understanding and integrating Infinite Banking into one's financial strategy, despite its longer-term commitment and the initial complexities compared to traditional banking. They advocate for continuous learning, perseverance, and the strategic redirection of funds to reap long-term benefits. You are encouraged to visit http://ranchyourway.com and explore educational resources, including the...

In this episode, we dive into the concept of Infinite Banking and how it can be adopted as a financial lifestyle. They discuss the importance of understanding one's financial habits, whether it be operating strictly on cash or leveraging credit card points, and how Infinite Banking can enhance these systems. Real-life examples are provided, from families using envelope systems to small business owners maximizing credit card points. Winnie and Lacy emphasize that adopting the Infinite Banking lifestyle can lead to long-term financial security, simplicity, and even solve advanced estate planning issues. We encourage you to educate yourself further by...

In this episode, Winnie and Lacy delve into the concept of financial faith, likening it to spiritual and political beliefs but focusing on money management. They discuss the importance of understanding one's financial mindset and the impact of upbringing on financial habits. Lacy shares personal insights about her evolving relationship with money and her journey exploring the Infinite Banking Concept, emphasizing the significance of financial education and intentional money management. The discussion also touches on the unseen aspects of money, such as internal beliefs and dialogues, and how they influence financial decisions. We encourage you to reflect on your...

In this episode, we discuss the challenges ranchers and farmers face when dealing with traditional banks. Winnie and Lacy explore how banks set terms and conditions, see customers as numbers, and ultimately control financial decisions. The conversation dives into the disempowering process of obtaining loans, the impact of the 2008 financial crisis, and the rise of alternatives like cryptocurrency. We introduce Infinite Banking as a potential solution to regain control and ensure financial stability for future generations. This episode emphasizes the importance of exploring alternatives while acknowledging that not all bankers are bad people, but rather it is the system...

In this episode, the hosts discuss the prevalent issues and misconceptions that ranchers and farmers have about life insurance. They explore why many in the farming and ranching community distrust insurance and view it as an unnecessary expense. Through personal anecdotes and insights, they emphasize the benefits of understanding and utilizing specific types of life insurance, particularly the infinite banking concept, to secure financial stability and build generational wealth. The session aims to empower listeners by offering a new perspective on life insurance and providing actionable steps to overcome the common challenges associated with it.

In this episode, Winnie and Lacy discuss the application of the Infinite Banking Concept (IBC) in ranching operations. They highlight a real-life case where clients used IBC to reduce bank dependence, keeping more money within the business. By leveraging whole life dividend insurance contracts, these clients built substantial cash reserves, significantly easing their financial burden and providing more autonomy and flexibility. The hosts emphasize the mental and financial benefits of adopting IBC for ranchers, including stress reduction and better decision-making capabilities. We encourage you to explore further with by reading 'Becoming Your Own Banker' and 'Farming Without the Bank...

In this episode, Winnie and Lacy explore the Infinite Banking Concept, a financial strategy designed for those seeking more control over their finances. The conversation spotlights Lacy's personal journey, how her husband Reed discovered the concept through a podcast interview with the author of 'Farming Without the Bank', Mary Jo Irmen, and their initial skepticism. With insights into how infinite banking offers an alternative to government programs and traditional investments, the discussion highlights the empowerment and peace of mind it can bring, especially for those in ranching and farming. Winnie and Lacy also emphasize the importance of being coachable...

Join us as we discuss the real-life challenges faced by ranchers; from dealing with droughts, maintaining herd health, and managing operating costs to succession planning. Lacy, living on her family's century-old ranch, shares her firsthand experiences. We explore the daily hurdles, the financial stressors, and the impact on family life. Discover how innovative financial strategies can help ranchers navigate these challenges and secure a brighter future. Subscribe for more insights and visit http://ranchyourway.com for further resources.

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In this episode, we explore the Infinite Banking Concept (IBC), a financial strategy conceived by R. Nelson Nash in his book 'Becoming Your Own Banker'. Lacy shares her perspective on how IBC encourages imaginative, outside-the-box thinking, especially in challenging financial times. The conversation highlights the origin of IBC during the high interest rates of the 1980s and discusses how it can offer a proactive, empowering alternative to traditional financial strategies. We encourage you to explore IBC as a potential solution for financial independence and invite you to further your understanding by reading 'Becoming Your Own Banker' and 'Farming Without...

WinEH! Podcast Ep. 01 - Meet Winnie and Lacy: The Heart Behind Ranch Your Way

In the inaugural episode of WinEH! Podcast, hosts Winnie Lau and Lacy Rowan introduce themselves and share their inspiring journey. Lacy, a client turned business partner, discusses her transition from a stay-at-home mom to a businesswoman through the infinite banking concept. Winnie shares her story of overcoming financial struggles as a single mom and her commitment to helping others achieve financial freedom. Together, they emphasize their shared mission to bring hope and financial peace to the ranching community. Tune in to l...