Shows / WinEH! Podcast
WinEH! Podcast
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…
Episodes
WinEH! PodcastEp. 128 - Trusts for Canadian Farm Families: Why, When, & for Whom?
A trust isn't the goal. The question is what you'd need one to accomplish. Part 5 of 6 of Keeping the Farm or Ranch Together. A trust is an arrangement, not a…
WinEH! PodcastEp. 127 - Canada Has No Estate Tax, So Why Can Death Benefit Trigger a Huge Tax Bill?
Canada doesn't have an estate tax, but death can still trigger one of the biggest tax bills your family will ever face. Part 4 of 6 of Keeping the Farm or…
WinEH! PodcastEp. 126 - Equal vs Fair: Dividing the Farm When Not Every Child Wants to Farm
Before trusts, estate freezes or life insurance, there's one question: what do you actually want to happen? Part 3 of 6 of Keeping the Farm or Ranch Together…
WinEH! PodcastEp. 125 - Where to Start Farm Succession Planing and Where Life Insurance Fits
Where do you actually start with farm succession planning, and who can you insure to protect the plan? Part 2 of 6 of Keeping the Farm or Ranch Together…
WinEH! PodcastEp. 124 Structuring Your Farm for Succession: Corporations, Holdcos & Rollovers
Should your farm or ranch be incorporated? Where should land, quota and investments sit? And how does structure affect what your children can inherit? Together…
WinEH! PodcastEp. 123 - Should Whole Life Insurance Disappear From Agriculture? We're Answering Back.
A popular podcast recently made a bold claim: if they had a magic wand, they'd get rid of whole life insurance in agriculture altogether. Winnie and Lacy heard…
WinEH! PodcastEp. 122 - When Mother Nature Calls the Shots: Are You Financially Prepared?
Drought. Forced herd reductions. Unexpected income. Tax consequences. And eventually—the need to rebuild. A recent announcement about Canada's Livestock Tax…
WinEH! PodcastEp. 121 - Land Rich, Cash Poor: Who Really Controls Your Wealth?
You can own millions of dollars in land, cattle and equipment and still feel like you're constantly looking for cash. That's the reality for a lot of farm and…
WinEH! PodcastEp. 120 - Living While Giving: Funding Your Kids' Future with Michael DeLon
What if the hardest part of building wealth for your children isn't the money—it's making sure they're ready for it?In this episode, Winnie sits down with…
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Ep. 119 - The Narrow Gate: Changing the Way You Think About Money - Warehouse of Wealth Ch. 3
In Chapter 3 of Building Your Warehouse of Wealth, Nelson Nash takes a hard look at the spending habits of the average family—and this chapter hit home. Money…
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Ep. 118 - The Infinite Banking Concept®: Are You Staying Engaged?
What does it actually mean to live The Infinite Banking Concept® instead of simply owning a participating whole life insurance policy? In this episode, Winnie…
WinEH! PodcastEp. 117 - Think Long-Term: Building Your Warehouse of Wealth with Dividend-Paying Whole Life Insurance
What if the biggest shift you need to make with your money isn't about finding a better investment—but learning to think longer term? In Episode 117 of the…
WinEH! PodcastEp. 116 - Insurable Interest 101: The Farm Family Insurance Gap Nobody Talks About
Insurable interest means you would suffer a real financial or personal loss if a specific person passed away — it's the requirement every life insurance…
WinEH! PodcastEp. 115 - Choose Your Hard: Why Every Ranch Family Needs a Will Before It's Too Late
Winnie Lau recently attended a celebration of life that didn't happen until more than six months after the person passed away — because there was no will, no…
WinEH! PodcastEp. 114 - What Is Financing? The Money Lesson Most Canadians Were Never Taught
What does financing actually mean? If you asked most people, they'd probably say financing means borrowing money from a bank to buy a vehicle, home, or…
WinEH! PodcastEp. 113 - Building a Family Financial System That Lasts for Generations
Why does financial stress persist even when you're working hard?Whether you're navigating farm succession, raising financially capable kids, building a…
WinEH! PodcastEp. 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…
WinEH! PodcastEp. 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…
WinEH! PodcastEp. 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…
WinEH! PodcastEp. 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…
WinEH! PodcastEp. 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…
WinEH! PodcastEp. 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…
WinEH! PodcastEp. 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…
WinEH! PodcastEp. 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…
WinEH! PodcastEp. 103 - Canada Strong Fund vs. Your Family Bank: Who Really Has Control?
There's a lot of noise in the marketplace right now especially around government-led wealth-building ideas like the Canada Strong Fund. It's being called…
WinEH! PodcastEp. 104 - Using Your Policies Instead of Letting Them Sit Idle
A lot of people start implementing The Infinite Banking Concept® with excitement and clarity. But after the first year or two, something interesting happens…
WinEH! PodcastEp. 102 - Who Gets Paid First? The Truth About Financial Control in Agriculture
Farmers and ranchers are speaking up and the message is clear: they don't want to be controlled. But what if control isn't just about regulations? What if it's…
WinEH! PodcastEp. 101 - Before the Stock Market: The Strategy We Stopped Using
In last week's episode, we talked about how money worked before income tax and before the stock market became the default strategy. But that leaves a bigger…
WinEH! PodcastEp. 100 - The History of Money, Farming, and Why the Infinite Banking Concept Has Been Around Longer Than You Think
Why haven't you heard about this before? That's the wrong question. In this 100th episode, Winnie and Lacy unpack the financial history that most farmers and…
WinEH! PodcastEp. 99 - If You Don't See the Problem with Banks, This Isn't for You
Most people ask, "How does The Infinite Banking Concept work?" But that's the wrong question. In this episode, Winnie and Lacy break down the real reason why…
WinEH! PodcastEp. 98 - Uninterrupted Compound Growth vs Broken Market Momentum
When markets drop, most people focus on the visible loss. But the bigger cost is often the momentum you lose along the way. In this episode, Winnie and Lacy…
WinEH! PodcastEp. 97 - Stop Trying to Use Investment Accounts for Infinite Banking
Should you use investments to create your own banking system, or is a whole life policy the better tool? In this episode, Lacy walks through the key…
WinEH! PodcastEp. 96 - Whole Life Insurance Deposit Options: Breaking Down the Load Fee
Many whole life insurance policies allow policyholders to make additional contributions through a deposit option to purchase Paid-Up Additions and accelerate…
WinEH! PodcastEp. 95 - Wall Street, Apple, and the Lie About Money: Why Ken Shapero Chose to go with The Infinite Banking Concept
Clarity Over Noise: Infinite Banking and Long-Range Financial Sovereignty with Ken Shapero In this conversation, Winnie sits down with Ken Shapero to explore…
WinEH! PodcastEp. 94 - Extra Mortgage Payments or Policy Deposits? A Rancher's Guide to Smarter Debt Control
Paying down debt feels responsible. It feels disciplined. But is sending extra principal to the bank the most strategic move, especially if you practice the…
WinEH! PodcastEp. 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…
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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…
WinEH! PodcastEp. 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…
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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…
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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…
WinEH! PodcastEp. 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…
WinEH! PodcastEp. 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…
WinEH! PodcastEp. 85 - More Than a Money System: Why This Changed Our Family
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…
WinEH! PodcastEp. 84 - Conditioned to Need the Bank? A Winter Reset for Ranchers
Winter on the ranch looks different. The work is still there — feeding cattle, checking fences — but the pace shifts. And that shift creates something rare…
WinEH! PodcastEp. 83 - Thinking Outside the Herd: What We Learned from Doug Ferguson About Cash Flow, Confidence & Ranch Freedom
In this episode, Winnie and Lacy dive into the powerful overlap between cattle marketing and the Infinite Banking Concept®, inspired by their recent experience…
WinEH! PodcastEp. 82 - How Farmers Become Their Own Banker: Our Interview on The Impact Farming Show
Hey There, We've got something special for you this week. We had the pleasure of being guests on Tracy Brunet's podcast, The Impact Farming Show earlier this…
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Ep. 81 - Money Truths Ranchers Need to Hear: Lies, Fear & Financial Freedom
Are the stories you tell yourself about money helping you… or quietly hurting you? In this honest and eye-opening episode, Winnie and Lacy dig into the three…
WinEH! PodcastEp. 80 - Full Premium vs. Required Premium: The Hard Truth About Your IBC Results
If your IBC policy isn't performing the way you expected. This episode tells you exactly why. Fresh off an intimate private session with Farming Without the…
WinEH! PodcastEp. 79 - Starting the Change: Food, Finances, and Building a Stronger Future for Agriculture
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…
WinEH! PodcastEp. 78 - The Biggest Mistake People Make with Life Insurance (and How It Costs Families Millions)
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…
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Ep. 77 - Smarten Up: Simple Ways to Strengthen Your Cybersecurity and Stop Scammers
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…
WinEH! PodcastEp. 76 - $270/Month Could Have Saved a Ranch: Smarter Coverage 101
One ranch family thought $270/month was too expensive—until an accident changed everything. Instead of income protection, overhead coverage, and funds for an…
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Ep. 75 - From Imagination to Action: Review of Part 1 – Becoming Your Own Banker
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…
WinEH! PodcastEp. 74 - Make the Bank Plan B: Real Talk with Mary Jo Irmen
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…
WinEH! PodcastEp. 73 - Liquidity, Control, and Growth
Summer check-ins turn into a candid talk on focus, boundaries, and better money decisions. Winnie and Lacy share why ditching constant notifications (goodbye…
WinEH! PodcastEp. 72 - Prepare in Good Times: Ranchers, High Beef Prices & Cash Flow
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…
WinEH! PodcastEp. 71 - From Uncertainty to Clarity: How Infinite Banking Transformed our Family's Finances with Billie Heggie
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…
WinEH! PodcastEp. 70 - BYOB (Book Study): Creating Your Own Banking System
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…
WinEH! PodcastEp. 69 - Wisdom at 71: Lessons on Family, Faith & Financial Freedom
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…
WinEH! PodcastEp. 68 - Horses, Family & Financial Freedom with Cowgirl Niki Flundra
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…