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 grounded, hopeful episode for anyone who wants to protect their livelihood, support agriculture, and build something lasting for their family. The Canadian Edition audiobook of Farming Without the Bank is now officially live. Get the hardcopy + audiobook bundle at ranchyourway.com. https://empoweredlifefinancial.thrivecart.com/preorder-fwtb-cdn-version-book-audio/ Listen on YouTube, Apple Podcasts, Spotify, and iHeartRadio. Share this episode with someone who needs encouragement on their IBC journey.
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 shift how you see financial preparedness, security, and legacy. Note: All details shared were accurate at the time of recording. Some products, rules, or processes may change over time—so always check in with us for the most current information.
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. Follow Ranch Your Way Instagram: http://instagram.com/ranch_your_way YouTube: http://youtube.com/@ranchyourway Facebook: https://www.facebook.com/RanchYourWay ► Learn more: https://www.ranchyourway.com ► Get the books: https://www.ranchyourway.com
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. Follow Ranch Your Way Instagram: http://instagram.com/ranch_your_way YouTube: http://youtube.com/@ranchyourway Facebook: https://www.facebook.com/RanchYourWay ► Learn more: https://www.ranchyourway.com ► Get the books: https://www.ranchyourway.com
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 review will bring Nelson's words to life in a way that speaks directly to the agricultural community. Follow Ranch Your Way Instagram: http://instagram.com/ranch_your_way YouTube: http://youtube.com/@ranchyourway Facebook: https://www.facebook.com/RanchYourWay ► Learn more: https://www.ranchyourway.com ► Get the books: https://www.ranchyourway.com
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 of Farming Without the Bank came to life, and how her partnership with Winnie and Lacy is helping producers north of the border take back control of their cash flow, their land, and their future. They cover: Why so many farm families stay stuck in the same financial cycle and how to break it What real financial control looks like in both good and bad markets How to protect your operation and build a lasting legacy for the next generation f you are ready to think differently about how you finance your operation, this conversation is a must-listen. Get your copy of Farming Without the Bank – Canadian Edition at RanchYourWay.com Follow Ranch Your Way Instagram: http://instagram.com/ranch_your_way YouTube: http://youtube.com/@RanchYourWay Facebook: https://www.facebook.com/RanchYourWay
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. Dividends ≠ stock dividends: what they are and why taxation is different. How insurers pay claims: actuaries, reserves, and why policies are built for generations. Generational wealth: more death benefit without "extra" new dollars. If you're a rancher or small-business family who loves paying cash, this episode shows how to keep the security you value while adding growth, control, and options—without becoming a slave to lenders (hello, Parkinson's Law). Ditch distractions, regain focus, and learn Page 26 of IBC: cash vs convenience, Deposit Options, and how to "finance everything" with more control and generational impact. Learn more at RancherWay.com Grab your copy of Farming Without the Bank – Canadian Edition Get Becoming Your Own Banker by Nelson Nash
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 Whether you're selling calves, buying yearlings, or just trying to make sense of market volatility, this conversation will give you tools and perspective to weather both the highs and the lows. Follow Ranch Your Way Instagram: http://instagram.com/ranch_your_way YouTube: http://youtube.com/@ranchyourway Facebook: https://www.facebook.com/RanchYourWay ► Learn more: https://www.ranchyourway.com ► Get the books: https://www.ranchyourway.com
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 build wealth while raising a family and running a business, you'll love this conversation filled with real-life stories, practical wisdom, and encouragement for the road ahead. Listen as two friends have a candid conversation and get inspired to take charge of your family's financial future! Billie Heggie's contact info: https://www.instagram.com/billieheggie https://facebook.com/billie.long.313 Follow Ranch Your Way Instagram: http://instagram.com/ranch_your_way YouTube: http://youtube.com/@ranchyourway Facebook: https://www.facebook.com/RanchYourWay ► Learn more: https://www.ranchyourway.com ► Get the books: https://www.ranchyourway.com
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 interest rates are the storms we all face. A lighthouse doesn't move, and it doesn't depend on outside approval to shine. By the end of this episode, you'll see how Infinite Banking is not just about insurance — it's about creating stability for your family today, and passing down a system of control and resilience for generations to come. Follow Ranch Your Way Instagram: http://instagram.com/ranch_your_way YouTube: http://youtube.com/@ranchyourway Facebook: https://www.facebook.com/RanchYourWay ► Learn more: https://www.ranchyourway.com ► Get the books: https://www.ranchyourway.com
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. Follow Ranch Your Way Instagram: http://instagram.com/ranch_your_way YouTube: http://youtube.com/@ranchyourway Facebook: https://www.facebook.com/RanchYourWay ► Learn more: https://www.ranchyourway.com ► Get the books: https://www.ranchyourway.com
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 also hear real experiences of how Infinite Banking has given families financial stability and freedom, even amidst unpredictable seasons in agriculture. Whether you're a rancher, farmer, horse enthusiast, or parent wanting to leave a legacy, this conversation is packed with inspiration, real-life wisdom, and practical takeaways. Learn more about the event at theheartofthehorse.ca and visit us at ranchyourway.com to explore how the Infinite Banking Concept can help your family thrive for generations to come. 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
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 The critical role of your advisory team — and why one person must coordinate the process Whether you're an entrepreneur, farmer, rancher, or simply looking to secure your legacy, this episode shows you how to align trusts, IBC, and tax planning to protect your family wealth. Catch EPISODE 65 for Part 1 first if you're brand new to trusts! 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
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 one decision at a time Whether you're new to IBC or already a client, this episode will give you clarity and confidence. Subscribe for more Infinite Banking insights to help you control the flow of money in your life. #InfiniteBanking #DoublePayments #CashFlow 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
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 loophole How estate freezes and the 21-year rule fit into Canadian tax planning The privacy advantages of trusts compared to wills Why your advisory team (lawyer, accountant, IBC advisor) must be aligned from day one How permanent life insurance supports advanced estate planning and liquidity needs Whether you're a farmer, rancher, business owner, or simply looking to protect and transfer wealth, this episode gives you the Canadian facts — with plain-language explanations and practical next steps. 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
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 family banking system and are now passing that knowledge on to their kids by teaching them the principles of Infinite Banking. If you've ever wondered whether IBC fits the life of a rancher, oilfield worker, or rodeo cowboy - this one's for you. 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
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. 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
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). 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
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