WinEH! Podcast

Winnie Lau
  • 5.0 (3)
  • MANAGEMENT
  • UPDATED WEEKLY

The WinEH! Podcast is all about WINNING in Canada EH. Specifically in the world of how we work with Money, think about Money and how we can use it to ELEVATE our life experience. The Financial Philosophy that we live by is based in the use of the Infinite Banking Concept. We believe that every Canadian deserves to know there is a better way to go about the way we think and manage our money. This podcast has 3 DISTINCT SHOWS. We are sharing ONE show at a time. Each show aims to heal the financial divide created by life experience, history, government and the banks. Alright, come lean in and check out our first show, Ranch Your Way.

  1. 4D AGO

    Ep. 93 - Infinite Banking Isn't Failing — Your Mindset Is

    Most families start Infinite Banking. Very few truly live it. Fresh off a private annual gathering of Authorized Infinite Banking Practitioners from across North America, Winnie and Lacy share what separates those who simply open policies from those who build generational systems. In this episode, we unpack: • Why mindset matters more than mechanics • What policy loans are really teaching you • How financial noise disrupts long-range thinking • The risk of failing to prepare the next generation • Why stewardship requires discipline, not hype For ranchers, business owners, and families serious about generational strength, this conversation goes beyond life insurance. It's about clarity. It's about implementation. It's about building something that lasts. If you've questioned your strategy or felt uncertainty around your policies, this episode will help you recalibrate and think long range. 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

    25 min

  2. FEB 19

    Ep. 92 - Perpetual Borrowing? The Mindset Shift Behind Infinite Banking

    When it comes to the Infinite Banking Concept, understanding the mechanics is only half the battle — the real transformation happens in your mindset. In this episode, Winnie and Lacy tackle two powerful conversations: First, they answer common questions from a business owner exploring corporately owned dividend-paying whole life policies: Should you run all your income through your policy? How much cash should you keep on hand? What does it actually look like to borrow and repay policy loans month after month? How do you balance operating expenses with building long-term wealth? Then, they unpack a more sobering reality — what happens when someone says, "We tried IBC," after six years… and walks away. Is the "perpetual borrowing and repaying" really a flaw — or is it simply the misunderstood function of controlling your own banking system? This episode dives into: The difference between bank debt and policy loans Why repaying yourself isn't the same as paying a bank The power of uninterrupted compounding The often-forgotten value of permanent death benefit Why protecting your financial philosophy matters more than ever Infinite Banking isn't a product — it's a practice. It requires intentional cash flow management, community, coaching, and a willingness to think differently about money. All financial strategies require discipline. The question is: which "hard" are you choosing? If you're new to IBC, curious about implementation, or wrestling with doubts, this episode is for you. Start your journey at ranchyourway.com and grab your book bundle to see if this philosophy resonates with you. And as always — keep learning with us. 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

    29 min

  3. FEB 12

    Ep. 91 - Holding Companies, Capital Dividend Accounts & Life Insurance: What Canadian Business Owners Need to Know

    In Episode 91, Winnie Lau is joined by Chartered Professional Accountant Nigel Kennett to break down three commonly misunderstood tools in Canadian business planning: holding companies, the Capital Dividend Account (CDA), and corporate-owned life insurance. This episode is a plain-language conversation for business owners, farmers, and ranchers who want to understand when these tools actually make sense, how they work together, and why involving the right professionals early can prevent costly mistakes later. If you're thinking about asset protection, tax efficiency, or long-term succession planning, this episode will help you ask better questions before making big decisions.   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

    39 min

  4. FEB 5

    Ep. 90 - How Holding Companies, Trusts & Insurance Work Together in Long-Term Planning

    Once business owners start thinking long-term — beyond income and toward legacy — structure matters. In this episode, Winnie is joined by CPA Nigel Kennett to explore how: Holding companies help separate risk from opportunity Trusts can protect family wealth across generations Corporate-owned life insurance fits into broader planning (and when it doesn't) The Lifetime Capital Gains Exemption connects directly to clean corporate structure Poor administration can undo otherwise good planning Accountants and advisors must work together — not in silos The conversation also addresses a common challenge: what to do when your accountant isn't familiar with dividend-paying whole life insurance or policy loans — and how to bridge that gap using education and collaboration (including resources like Becoming Your Own Banker). This episode is for business owners who are ready to move from earning money to protecting and positioning it wise 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

    27 min

  5. JAN 29

    Ep. 89 - Why Farms Keep Paying the Bank—and How to Stop

    In this episode of the Ranch Your Way Show, Winnie and Lacy slow things down and do something simple—but powerful. They read and unpack the summary of Farming Without the Bank. Why? Because most farm families don't need another sales pitch. They need clarity. This conversation is for: The spouse who's "not sure yet" The operator who knows something feels off—but can't quite name it The family paying tens (or hundreds) of thousands in interest and wondering if there's another way You'll hear real examples of: Keeping control of your money instead of qualifying for it Why "saving for the future" doesn't have to mean locking money away How whole life insurance fits into farm cash flow (without the fluff) Why legacy planning isn't optional—whether you have kids, nephews, nieces, or no heirs at all They also explain why this concept takes time to grasp—and why rereading the book (and using the case studies) matters. If you're new here, this episode is a strong place to start. If you already own the book, this is your nudge to pick it back up.  Grab the book (or the audio bundle) at ranchyourway.com  Then come talk to us—after you've read it.

    28 min

  6. JAN 22

    Ep. 88 - Selling Your Business in Canada? The Holding Company Mistake That Can Cost You Millions

    Most Canadian business owners work relentlessly to build something valuable — yet many unknowingly sabotage their exit through poor structure. In this episode, Winnie sits down with Chartered Professional Accountant Nigel Kennett to unpack one of the most costly mistakes entrepreneurs make: holding excess cash and assets inside their operating company and unintentionally jeopardizing access to the lifetime capital gains exemption. This conversation explores: When and why a holding company becomes essential How surplus cash can limit your ability to sell tax-efficiently The difference between "making money" and "keeping money" Why structure and documentation matter long before an exit is on the table This is a practical, plain-language discussion for Canadian entrepreneurs who want their business sale to reward the risk they took, not punish it. Follow Ranch Your Way Instagram:   / ranch_your_way    YouTube:    / @ranchyourway    Facebook:   / ranchyourway    ► Learn more: https://www.ranchyourway.com  ► Get the books: https://www.ranchyourway.com

    19 min

  7. JAN 15

    Ep. 87 - When Banks Tighten: How Farm Families Can Stay in Control Without Panicking

    In a recent episode of Growing the Future, host Dan Aberhart interviewed Canada's largest farmland owner, Robert Andjelic about what he sees coming for agriculture — tighter lending, economic pressure, and a potential capital squeeze that could impact farm families across the country. After listening, we felt two things at the same time: The concerns are real. Fear is not a strategy. In this episode, we highlight the key issues that were raised — and then share our own three-point plan for how farm and ranch families can prepare in a calm, practical way. This conversation is about: Building your own financial buffer Managing cash flow intentionally Making proactive decisions instead of panic-driven ones There is a way forward — and it starts with clarity and control.  Watch the original Growing the Future episode here: https://www.youtube.com/watch?v=V-8Kix9MolA Start Here: www.ranchyourway.com Book Bundle: Farming Without the Bank - Canadian Edition + Becoming Your Own Banker (paperback + audio)   Watch our Podcast on YouTube or listen on Apple Podcasts, Spotify, and iHeart Radio   https://empoweredlifefinancial.thrivecart.com/preorder-fwtb-cdn-version-book-audio/

    28 min

  8. JAN 8

    Ep. 86 - Life Insurance vs Infinite Banking: Why Age Misses the Point

    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 difference between a life insurance conversation and an IBC conversation How liquidity, control, and stewardship matter more than returns alone Why legacy planning isn't about "spoiling" the next generation This episode challenges the idea that Infinite Banking is only about death benefit needs or life stage. It's about how you finance your life—at any age. If you already "know" IBC, this episode may reveal what you're still missing.  Start here: ranchyourway.com  Book Bundle: Farming Without the Bank – Canadian Edition + Becoming Your Own Banker (paperback + audio) Available on YouTube, Spotify, Apple Podcasts, and iHeartRadio.

    19 min
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Ratings & Reviews

5
out of 5
3 Ratings

About

The WinEH! Podcast is all about WINNING in Canada EH. Specifically in the world of how we work with Money, think about Money and how we can use it to ELEVATE our life experience. The Financial Philosophy that we live by is based in the use of the Infinite Banking Concept. We believe that every Canadian deserves to know there is a better way to go about the way we think and manage our money. This podcast has 3 DISTINCT SHOWS. We are sharing ONE show at a time. Each show aims to heal the financial divide created by life experience, history, government and the banks. Alright, come lean in and check out our first show, Ranch Your Way.

Information

  • Creator
    Winnie Lau
  • Years Active
    2024 - 2026
  • Episodes
    94
  • Rating
    Clean
  • Copyright
    © 2024
  • Show Website
    WinEH! Podcast

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