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
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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 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

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

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.

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

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

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.

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

As the year comes to a close and families spend more time together, this episode invites you to slow down, listen in, and consider what kind of financial foundation brings peace—not pressure—into your home.

Grab Farming Without the Bank (paperback + audiobook) at www.ranchyourway.com
Watch on YouTube or listen on Apple Podcasts, Spotify, and iHeartRadio