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.

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► 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!

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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.

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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.

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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!

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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

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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