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.
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 business succession plan, and no written record of a family investment. In this episode of the Win-EH Podcast, Winnie and Lacy Rowan unpack what that delay revealed: a family left choosing between grief and frustration, simply because one hard conversation never happened while there was still time. This episode is for Canadian farm and ranch families, business owners, and parents who've been putting off estate planning, succession planning, or a conversation about life insurance. Winnie and Lacy talk through the real difference between a living will and a last will and testament, why private investments between family members need to be put in writing, and why the phrase "I'll be dead, what do I care?" is one of the most costly mindsets a person can carry into their financial planning. You'll also hear how proactive families use tools like The Infinite Banking Concept® and a family pool of money to build financial resilience — creating liquidity and options for the people they leave behind, instead of confusion and conflict. Whether you're managing a ranch succession plan, a family business, or simply want to protect your spouse and children, this conversation is a practical, compassionate push to finally start the process. Topics covered: wills and estate planning, business succession, family investment agreements, life insurance for families and business owners, The Infinite Banking Concept®, generational wealth planning, financial resilience for Canadian farm and ranch families. Start with the book — Farming Without the Bank (Canadian edition) — available in paperback and audio at ranchyourway.com . Watch full episodes of the Win-EH Podcast at youtube.com/@WinEHpodcast . 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
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 equipment. While that's certainly one form of financing, it's only part of the picture. In this episode, Winnie and Lacy explore one of the foundational principles of The Infinite Banking Concept® , created by Nelson Nash: every dollar you spend is a financing decision. Whether you pay cash, use a debit card, borrow through a loan, use a credit card, lease equipment, or draw from savings, you're making a financing choice that has both immediate and long-term consequences. This conversation began with a simple question from a child: "What is financing?" That innocent question opened the door to one of the most important financial conversations families can have. Sometimes the simplest questions reveal the biggest gaps in our financial education. Throughout the episode, Winnie and Lacy explain why changing the way we think about financing is often more important than simply learning how to invest. They discuss how financial stewardship begins long before wealth building and why understanding where your money lives can be just as important as how much money you earn. Drawing from Becoming Your Own Banker , they explain the importance of the capitalization phase —the process of intentionally building your pool of money before you need it. Rather than reacting when a vehicle breaks down or unexpected expenses arise, families can prepare in advance by developing a long-term financing system that creates greater liquidity, flexibility, and financial resilience. The discussion also explores practical examples from everyday life, including purchasing vehicles, maintaining equipment, caring for family assets, teaching children financial responsibility, and preparing for future opportunities instead of making decisions under financial pressure. For Canadian farm families, ranch families, business owners, homeschooling parents, and anyone interested in generational planning, this episode reinforces why financial systems matter more than financial products. It highlights how Cash Smart for Life encourages proactive financial thinking and why Ranch Your Way focuses on helping families strengthen financial resilience through education and stewardship. Listeners will also gain a better understanding of why properly structured dividend-paying participating whole life insurance is used within The Infinite Banking Concept® as a long-term financing tool. Winnie and Lacy explain that IBC is not simply about life insurance—it's about creating a family banking system that improves financial control, builds liquidity, supports succession planning, and helps families keep more of the money they earn over time. In this episode you'll learn: What financing really means. Why every dollar you spend is a financing decision. How financial stewardship creates stronger financial foundations. What the capitalization phase is and why it matters. Why preparation creates more options than reacting to financial emergencies. How liquidity provides greater financial flexibility. Why building a family pool of money supports long-term financial resilience. How The Infinite Banking Concept® differs from traditional borrowing. Why Canadian families, farmers, ranchers, and business owners can benefit from thinking differently about financing. If you've ever wondered whether there is a better way to finance the things you're already buying, this episode offers a practical framework for rethinking money through the principles of The Infinite Banking Concept® . Visit Ranch Your Way to learn more about Cash Smart for Life, The Infinite Banking Concept®, family financial systems, financial stewardship, liquidity, succession planning, and building a lasting family pool of money that can serve future generations. 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
Why does financial stress persist even when you're working hard?Whether you're navigating farm succession, raising financially capable kids, building a business, or simply wanting more confidence in your family's finances — this episode offers a different perspective. Every family already has a financial system. The question is whether it was designed intentionally. In this episode, you'll learn why every financial system produces exactly the results it was built for — and why that's actually good news, because systems can be redesigned. What we cover: - What a financial system is and why it matters - Why hard work alone doesn't guarantee financial security - How systems shape cash flow, liquidity, and long-term decisions - How The Infinite Banking System® goes beyond buying another product - Why building a family pool of money creates lasting flexibility - How Ranch Your Way supports financial resilience and generational planning for Canadian farm families - Small, intentional changes today can create clarity, stronger resilience, and real opportunities for the next generation. Start with the book — that's where the shift begins. 📖 Farming Without the Bank – Canadian Edition + Becoming Your Own Banker (paperback + audio) 🌐 www.ranchyourway.com 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
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
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
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
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
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
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
Why do people work hard to pay back bank debt but h esitate 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
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
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 everything from "nation building" to "risky," but beneath all the headlines is a deeper question: who should really be in control of your financial future? In this episode, we unpack the concept through a practical lens and bring it back to what actually matters for Canadian families, farmers, and business owners. Because while governments debate strategies, your day-to-day decisions still shape your long-term outcome. We explore how The Infinite Banking Concept® offers a completely different path one rooted in ownership, control, and building your own family pool of money. Not someday. Starting 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
A lot of people start implementing The Infinite Banking Concept® with excitement and clarity. But after the first year or two, something interesting happens. The policies are set up… and then they just sit there. In this episode, Winnie and Lacy walk through real client conversations about what happens next. They talk about using policy cash values to reduce pressure, regain control, and interrupt the old "money comes in and disappears" cycle many families feel trapped in. You'll hear practical examples from farm families, mindset shifts around debt and control, and why your policies were never meant to feel like "just another expense." They were designed to serve your life, your family, and your future. 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
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 showing up quietly inside our financial decisions? In this episode, we unpack a real client conversation that reveals the hidden trade-offs behind "0% interest" money. It sounds like a win but who really owns the outcome when things don't go as planned? And more importantly, who gets paid first? This is a grounded, real-life look at how control, cash flow, and clarity shape your freedom not just in your operation, but in your life. Because true independence isn't about avoiding lenders; it's about building a system where you stay in charge. 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
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 question… Where did people actually put their money? In this episode, we break down how whole life insurance was used long before modern financial systems took over—and why it played such a foundational role in building and protecting wealth. This isn't about going backwards. It's about understanding what worked, what changed, and what we may have lost along the way. Because the challenges people are facing today—cash flow pressure, debt cycles, and lack of control—aren't new. They're the result of moving away from systems that were designed to solve them. If you've ever wondered why managing money feels harder today than it should, this episode will give you a different lens to look through. 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
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 ranchers were never taught and why the system you've been using to finance your operation was never designed with your interests at the center. Here's what we cover: The financial timeline from 1847 to 1971 that changes how you see money Why farm financing hasn't evolved the way farming has The difference between controlling the dollar and controlling your terms What the Infinite Banking Concept actually is and why the tool used to exercise it has been around longer than income tax, the stock market, and the Bank of Canada If you've ever wondered why carrying debt feels like the norm in agriculture , 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
Most people ask, " How does The Infinite Banking Concept wor k?" But that's the wrong question. In this episode, Winnie and Lacy break down the real reason why Infinite Banking doesn't resonate with everyone and why that's actually a good thing. If you don't see a problem with how you're currently using banks, building your own system of financing won't feel necessary. And no n umbers , strategy , or r ationale will c hange that. This conversation dives into: Why awareness of the problem must come before any solution The reality of the capitalization phase (and why patience matters) What most people misunderstand about death benefit and legacy How mindset and behavior , not m ath can determin e success with money Why " trying " to simplify without understanding leads to poor decision s You'll also hear real-life examples of how families are using the same dollar to build capital, create flexibility, and support future generations. This episode is about helping you t o think about things differently : Are you ready to think about m oney differently or not? 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
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 unpack what market pressure really means for families, ranchers, and business owners trying to build long-term financial confidence. They discuss why The Infinite Banking Concept offers a different foundation, one built on control, liquidity, and uninterrupted compound growth rather than hope and timing. They also explore how financial discipline at home matters just as much as philosophy, especially when preparing Children for real life, involving them in money conversations, and building a family system that can weather both good times and hard times. If this episode challenged the way you think about volatility, control, and long-term financial planning, start with the book. That is still the best first step. The paperback and audio version are both available at ranchyourway.com .
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 differences between market-based strategies and participating whole life policies. You'll learn how liquidity, certainty, and long-term control impact your ability to finance your life, and why trying to replicate infinite banking with investments often falls short. This is a must-listen if you're deciding where to store and access your capital. Get started by grabbing your copy of Farming Without the Bank at www.ranchyourway.com
Many whole life insurance policies allow policyholders to make additional contributions through a deposit option to purchase Paid-Up Additions and accelerate cash value growth. However, these contributions typically come with a load fee , which often raises questions for policyholders. In this episode, Lacy breaks down what the deposit option load fee actually is, why it exists, and what it covers. She explains how the fee is used to cover provincial premium taxes , policy administration costs, and advisor compensation . You'll also learn how deposit option contributions are processed inside a participating whole life policy, how they purchase Paid-Up Additions, and why understanding the structure of these fees is important when designing policies used for implementing The Infinite Banking Concept® . We also discuss how, within a properly structured policy, assuming dividends continue to be paid, the policyholder can eventually access every dollar contributed to the policy. If you've ever wondered why your deposit option payment isn't credited dollar-for-dollar into Paid-Up Additions, this episode will clarify exactly how the load fee works and why it's part of the policy design. As Lacy likes to say, "Don't let the nickel hide the dime!" 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
