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 Bank author Mary Jo Irmen, Winnie and Lacy break down one transformational challenge she gave a client:

Stop paying only the required premium. Start paying the full premium.

In this episode, we explore:

• The psychology behind minimal vs. maximum premium • Parkinson's Law and optimizing policy performance • The real cost of avoiding your finances • Why full premiums build a stronger financial tailwind • How to plan contributions around your cash flow cycles • Why comparing bank loan rates to policy loan rates misses the point • The mindset shift every IBC family needs

Whether you're ranching, farming, or simply wanting more control over your financial life, this conversation will help you think and achieve success in implementing the IBC process in your life.

The Canadian Edition audiobook of Farming Without the Bank is now officially live. Get the hardcopy + audiobook bundle at ranchyourway.com.

https://empoweredlifefinancial.thrivecart.com/preorder-fwtb-cdn-version-book-audio/

Listen on YouTube, Apple Podcasts, Spotify, and iHeartRadio. Share this episode with someone who needs encouragement on their IBC journey.

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 marketplace. They share their own reactions, the concerns they're hearing from families, and the very real question—what can we actually do about it?

This heartfelt conversation moves from fear and frustration to empowerment, highlighting the role of financial self-reliance, small daily choices, and supporting local producers. The girls also discuss raising the next generation, overcoming comparison, and why Infinite Banking is helping families stay rooted on their land.

A grounded, hopeful episode for anyone who wants to protect their livelihood, support agriculture, and build something lasting for their family.

Get the hardcopy + audiobook bundle at ranchyourway.com.

https://empoweredlifefinancial.thrivecart.com/preorder-fwtb-cdn-version-book-audio/

Listen on YouTube, Apple Podcasts, Spotify, and iHeartRadio. Share this episode with someone who needs encouragement on their IBC journey.

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 long to apply. Lacy shares her own story of being diagnosed with cancer and how having coverage before that diagnosis gave her peace of mind and financial stability. Together, they unpack why insurability isn't guaranteed, what "qualifying" really means, and how families can use Infinite Banking to protect and grow wealth across generations.

Whether you've been skeptical about insurance or just never had it clearly explained, this conversation will shift how you see financial preparedness, security, and legacy.

Note: All details shared were accurate at the time of recording. Some products, rules, or processes may change over time—so always check in with us for the most current information.

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 cybersecurity habits you can start today, and explain how life insurance companies protect your information. Tune in for real examples, relatable insights, and a healthy dose of "choose your hard" motivation to take your online safety seriously.

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

One ranch family thought $270/month was too expensive—until an accident changed everything. Instead of income protection, overhead coverage, and funds for an accessible home, they faced selling half their herd, unexpected medical bills, and years of financial strain. In this episode, we unpack how small, affordable policies could have replaced lost income, covered business expenses, and kept their operation afloat. Learn how to protect your ranch without breaking your cash flow.

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 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 revisit the key principles that built the Infinite Banking Concept: the importance of imagination, avoiding the "grocery store trap," understanding the "money problem," and practicing capitalization with patience and discipline.

They connect these lessons to real ranch life—harvest paydays, dream boards, and family cash-flow decisions—showing how Infinite Banking isn't an investment product but a system of thinking. If you've ever wondered how to turn seasonal income into lasting legacy, this review will bring Nelson's words to life in a way that speaks directly to the agricultural community. 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

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 Irmen, creator of Farming Without the Bank and author of Life Without the Bank, for a down-to-earth conversation about money, control, and legacy.

Together, they talk about why farmers and ranchers need to make the bank Plan B, not Plan A, and how the Infinite Banking Concept gives families a way to finance their operations differently.

Mary Jo also shares how the idea for the Canadian edition of Farming Without the Bank came to life, and how her partnership with Winnie and Lacy is helping producers north of the border take back control of their cash flow, their land, and their future.

They cover: Why so many farm families stay stuck in the same financial cycle and how to break it What real financial control looks like in both good and bad markets How to protect your operation and build a lasting legacy for the next generation f you are ready to think differently about how you finance your operation, this conversation is a must-listen.

Get your copy of Farming Without the Bank – Canadian Edition at RanchYourWay.com

Follow Ranch Your Way Instagram: http://instagram.com/ranch_your_way YouTube: http://youtube.com/@RanchYourWay Facebook: https://www.facebook.com/RanchYourWay

Summer check-ins turn into a candid talk on focus, boundaries, and better money decisions.

Winnie and Lacy share why ditching constant notifications (goodbye, smartwatch in meetings and phone in the bedroom) boosts clarity—then connect that clarity to Infinite Banking basics from Becoming Your Own Banker (Page 26):

• You finance everything you buy—cash, borrowing, leasing, or the IBC "fourth way."

• Control vs. convenience: store cash at the bank or in your own entity (policy) and keep liquidity while your money keeps working.

• Deposit Options (PUAs): making dollars do more than one job.

• Dividends ≠ stock dividends: what they are and why taxation is different.

• How insurers pay claims: actuaries, reserves, and why policies are built for generations.

• Generational wealth: more death benefit without "extra" new dollars.

If you're a rancher or small-business family who loves paying cash, this episode shows how to keep the security you value while adding growth, control, and options—without becoming a slave to lenders (hello, Parkinson's Law).

Ditch distractions, regain focus, and learn Page 26 of IBC: cash vs convenience, Deposit Options, and how to "finance everything" with more control and generational impact.

Learn more at RancherWay.com Grab your copy of Farming Without the Bank – Canadian Edition Get Becoming Your Own Banker by Nelson Nash

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.

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, 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!

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