WinEH! Podcast

Winnie Lau
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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. 1h ago

    Ep. 112 - From Reactive to Proactive Farm Finances

    Financial resilience doesn't begin during a crisis—it begins long before one arrives. In this episode, Winnie explores why financial challenges such as bankruptcies, consumer proposals, forced farm sales, family financial conflict, and retiring without enough income rarely happen overnight. Using practical examples from Canadian farming and ranching, she explains why producers who proactively maintain equipment, protect livestock, insure crops, and prepare for uncertainty should apply the same mindset to their family's financial system. You'll learn the five foundations of financial resilience: awareness, protection, cash flow, legacy, and stewardship. Winnie also explains why liquidity matters, why family financial conversations should happen before they're urgent, and how succession planning is a long-term process rather than a retirement event. The episode introduces The Infinite Banking Concept® as a strategy for building a family pool of money that can improve financial control, create access to liquidity, and support generational planning. It also highlights how Cash Smart for Life helps families think proactively about money and how Ranch Your Way supports Canadian farm and ranch families in building stronger financial systems for the future. Whether you're a Canadian farmer, rancher, business owner, homeschooling family, or parent teaching financial literacy, this conversation will help you move from reacting to financial challenges toward building resilience, flexibility, and long-term stewardship. Topics covered: Financial resilience for Canadian farm and ranch families The five foundations of proactive financial planning Liquidity and cash flow management Succession planning and generational wealth Family financial communication Insurance and risk management The Infinite Banking Concept® Building a family pool of money Long-term financial stewardship Start with the book. That's where the shift begins. Then visit our website to learn how Ranch Your Way and Cash Smart for Life can help your family build a stronger financial future—one intentional decision at a time. 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 Chapters: 00:00 Why Money Crises Happen 00:35 Proactive Farming Mindset 01:41 BSE Lesson on Preparedness 03:13 Control What You Can 04:59 Why We Avoid Money 06:44 Five Resilience Foundations 06:58 Awareness and Protection 08:28 Cash Flow and Liquidity 09:04 Legacy and Stewardship 10:25 Small Steps to Start 11:21 Financial Maintenance Mindset 12:10 Choices for Next Generation 12:33 Book and Next Steps

    14 min

  2. Jul 2

    Ep. 111 - Where Do You Store Your Wealth? Why Every Farm Family Needs a Financial Warehouse

    Most farmers and ranchers spend a lifetime building wealth—but very few stop to ask one simple question: Where are you storing it? Inspired by R. Nelson Nash's Warehouse of Wealth, Lacy explores the difference between earning wealth, investing wealth, and warehousing wealth. Using practical farming analogies, she explains why the place you store your money matters just as much as how you earn it. In this episode, you'll discover why liquidity is essential for farm succession, how our current banking system has conditioned the way we think about money, and why a properly structured participating whole life insurance policy can serve as more than just life insurance—it can become a financial warehouse that protects capital, provides access to cash during your lifetime, and creates tax-free liquidity for the next generation. If your goal is to pass on more than just land—to pass on opportunity, options, and a financial system that helps keep the farm in the family—this episode is for you. In this episode you'll learn: • Why every dollar you own already has a "warehouse" • The five characteristics of a good financial warehouse • Why liquidity is critical for family farms • How Infinite Banking changes the way we think about money • Why participating whole life insurance can help create generational wealth • How to help the next generation inherit opportunity instead of another loan Hosted by Winnie Lau & Lacy Rowan - Ranch Your Way 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 Subscribe so you never miss an episode! Order the Paperback + Audio Here

    25 min

  3. Jun 25

    Ep. 110 - Record High Cattle Prices Won't Build Wealth On Their Own - Here's What Will

    Cattle prices are at record highs right now, and that's genuinely exciting. But high prices don't automatically build wealth. In this episode, Winnie Lau and Lacy Rowan dig into why, and what producers can do about it before the window closes. They cover Parkinson's Law,  the quiet force that causes expenses to rise every time income does,  and why the instinct to wipe out debt the moment a windfall arrives isn't always the most strategic move.  From calving season urgency to Winnie's own experience riding Alberta's real estate boom and bust, this episode connects the psychology of money to the real decisions producers face right now. Hosted by Winnie Lau & Lacy Rowan - Ranch Your Way 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 Subscribe so you never miss an episode! Order the Paperback + Audio Here

    20 min

  4. Jun 18

    Ep. 109 - Don't Sell Out: Protecting Your Farm, Your Community, and the Next Generation

    This week Winnie and Lacy are talking about something that stopped them cold, a recent report that 40 Canadian farm families reached out to a land investor this spring asking him to buy their land. Not because they wanted to sell. Because the bank wasn't waiting any longer, and planting season was coming. That is not just a financial story. That is a community story. When independent farms sell out to distant investors, what gets lost is not only the land. It's the community hall, the neighbours who show up at a grass fire, the affordable acres that the next generation of young farmers was hoping to buy one day. What takes generations to build can be gone in one difficult spring. Winnie and Lacy break down the principles behind The Infinite Banking Concept® and how a specially designed life insurance contract creates the liquidity and cash flow control to keep you from ever becoming a motivated seller. Whether you're farming, ranching, or just trying to get ahead financially, this episode is for you. Hosted by Winnie Lau & Lacy Rowan - Ranch Your Way 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 Subscribe so you never miss an episode! Order the Paperback + Audio Here

    19 min

  5. Jun 11

    Ep. 108 - From $250,000 in Interest to Financial Control: A Rancher's Story

    What happens when a ranch family decides they're tired of paying the bank more than they're paying themselves? In this episode, Chad Ross shares the realities of building a ranching operation through some of the toughest challenges Canadian agriculture has faced—from BSE and drought to rising debt costs and uncertainty in the marketplace. He opens up about paying more than $250,000 in annual interest, the lessons learned through hardship, and why financial resilience became a priority for his family. We discuss: The impact BSE had on their operation and long-term decision-making Why efficiency and strategic planning matter more than ever How Chad discovered the Infinite Banking Concept through the Working Cows Podcast Building a six-figure pool of accessible capital The mindset shift of paying yourself first Creating more freedom, flexibility, and peace of mind Preparing the next generation for long-term success Whether you're a rancher, farmer, or business owner looking for more control over your finances, this conversation offers practical insights on thinking differently, planning ahead, and building resilience for whatever comes next. Start with the book, that's where control begins in your operation. Hosted by Winnie Lau & Lacy Rowan - Ranch Your Way 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 Subscribe so you never miss an episode! Order the Paperback + Audio Here 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

    22 min

  6. Jun 4

    Ep. 107 - Traceability, Trust, & the Future of Canadian Ranching

    What happens when traceability intersects with producer trust, privacy concerns, and the future of family ranching? In this episode, we sit down with Chad Ross, Saskatchewan cattle producer and Chair of the Saskatchewan Cattle Association, to explore one of the most talked-about topics in Canadian agriculture today: traceability. Together, we discuss: Why traceability matters to Canada's beef industry The role it plays in protecting export markets and consumer confidence The concerns many producers have around privacy, compliance, and implementation How trust between producers, industry organizations, and regulators impacts progress Why producer involvement is critical in shaping the future of Canadian agriculture What opportunities may exist to improve traceability while supporting the long-term sustainability of ranching operations At its core, this conversation is about more than regulations. It's about stewardship, preserving family operations for future generations, and finding solutions that strengthen both the industry and the people who make it possible. Whether you're a cattle producer, rancher, or someone who cares about the future of Canadian agriculture, this episode offers valuable insight into a conversation that affects us all. Start with the book, that's where control begins in your operation. Hosted by Winnie Lau & Lacy Rowan - Ranch Your Way 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 Subscribe so you never miss an episode! Order the Paperback + Audio Here Go here for more updates on this situation: https://www.canada.ca/en/food-inspection-agency/news/2026/06/update-from-the-canadian-food-inspection-agency-on-a-revised-regulatory-approach-to-the-livestock-traceability-regulations.html 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

    37 min

  7. May 28

    Ep. 106 - Bank First or Family First? Building More Financial Control With The Infinite Banking Concept®

    Why do people work hard to pay back bank debt but hesitate and get confused when it comes to paying themselves back? In this episode, we unpack one of the biggest mindset shifts around The Infinite Banking Concept®.  We discuss financial control, family systems, cash flow, and why so many Canadian families, farm families, ranch families, and business owners feel stuck relying on traditional lenders. You'll hear practical examples, simple analogies, and a powerful reminder that building long-term financial resilience often starts by changing how money flows through your life. Start with the book. That's where the shift begins. Hosted by Winnie Lau & Lacy Rowan - Ranch Your Way 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 Subscribe so you never miss an episode! Order the Paperback + Audio Here

    25 min

  8. May 21

    Ep. 105 - The Bigger Conversation Behind Monette Farms - Part 1

    The headlines surrounding Monette Farms have sparked big conversations across agriculture. In this episode, Winnie and Lacy unpack the deeper lessons behind the story, not to criticize, but to learn. From rapid expansion and debt pressure to the role of life insurance as collateral, this conversation opens the door to questions many farm families have quietly wrestled with for years. This episode explores what happens when growth outpaces control, why lenders always protect their position first, and how The Infinite Banking Concept® can help families create a more stable financial foundation over time. Winnie and Lacy also discuss the emotional weight carried by family farms under pressure and why thoughtful growth matters more than fast growth. If you've ever wondered whether "bigger" automatically means "better," this conversation will challenge you to think differently about debt, ownership, and long-term stewardship. Start with the book. That's where the shift begins. Hosted by Winnie Lau & Lacy Rowan - Ranch Your Way 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 Subscribe so you never miss an episode! Order the Paperback + Audio Here

    25 min
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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
    112
  • Rating
    Clean
  • Copyright
    © 2024
  • Show Website
    WinEH! Podcast

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