Farming Without the Bank: Your Solution to Farm Finance

Wednesday, October 15, 2025

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Farming Without the Bank: Your Solution to Farm Finance

In this week’s episode, Tracy sits down with Winnie and Lacy, of Ranch Your Way and advocates of the Infinite Banking Concept, to discuss how ranchers and farmers can take control of their finances — and their future — by becoming their own banker.

Instead of relying on traditional banks, you can finance equipment, land, or livestock from within your own operation — keeping more money in your family’s hands.

Winnie and Lacy share how they discovered this concept, the real-life financial challenges that led them here, and how they’ve adapted Mary Jo’s Farming Without the Bank for Canadian farmers and ranchers.

You’ll also learn practical steps to get started, how to begin small, and why this strategy can be a game-changer for succession planning and multigenerational wealth.

In This Episode, We Discuss:

1. What the Infinite Banking Concept is — explained simply.

2. Why it’s especially powerful for farmers and ranchers.

3. How a whole life policy can be used to finance land, equipment, or livestock.

4. The financial struggles that inspired Winnie and Lacy to bring this strategy to Canada.

5. Gaps Canadian farmers face with banks, taxes, and financing.

6. How families can start small without overhauling everything.

7. The role of Infinite Banking in succession planning and teaching the next generation about money.

8. The biggest transformations they’ve seen among ranchers who take control of their finances.


Key Takeaway

You don’t need to overhaul your entire operation to start — you just need to take the first step toward becoming your own banker.

Infinite Banking isn’t just about money; it’s about freedom, legacy, and control for your family and your farm.

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🔥Featured Resources:



📚 Purchase the Book: Farming Without the Bank – Canadian Edition





🎥🎧Tune in to the Podcast: Ranch Your Way on the Win Eh Podcast Network—  for more insights on ranching, money, and creating financial independence.

 

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About the Guests: 

Winnie Lau
Lead Canadian Ranch Specialist on Implementing The Infinite Bank Strategy

Winnie has been a Life Insurance & Infinite Banking Practitioner since 2010. Her main goal has been to teach families and businesses financial literacy through Infinite Banking.

Winnie leads the team at Empowered Life Financial Inc. As an Authorized Practitioner by the Nelson Nash Institute, Winnie brings with her years of experience and knowledge.

I am also the co-author of Who Gets the Farm: a practical guide to farm succession planning.

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Lacy Rowan
Canadian Ranch Specialist on Implementing The Infinite Bank Strategy

A rancher’s wife and Insurance Advisor, Lacy joined Winnie in 2021 in a role focusing on After Client Care and Part-time Sales.
Since joining Winnie’s team, she has partnered up with Winnie to bring you Ranch Your Way. As a Rancher and Advisor, she brings both a unique and valuable experience and expertise with her.

🔗Connect with Winnie Lau and Lacy Rowan: Website / Instagram / Facebook

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📩Subscribe & Share:

If you enjoyed this conversation, please subscribe, leave a review, and share this episode with anyone interested in agriculture policy, sustainability, or the future of food.

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* Disclaimer - As always, this information is not intended to provide business or medical advice. To ensure that your own circumstances have been properly considered and that action is taken based on the latest information available, you should obtain professional advice from qualified business or medical professionals before acting on any of the information in this post.
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The Impact Farming Show

Welcome to Impact Farming, Farm Marketer's video and audio show dedicated to helping Canadian farmers excel in the business of farming. Our goal with this show is to introduce our audience to the people and ideas that are going to make an IMPACT on their farming operation. 

Show Host - Tracy Brunet
CEO of Farm Marketer 

Tracy and her husband are cattle ranchers in South East, Manitoba. As host of the show, primary producer and agvocate, Tracy is passionate about helping farmers succeed in the business of farming. 

In each episode, Tracy chats with today's most successful farm advisors and industry leaders to bring our audience the best and most important ideas. 

Connect with Tracy Brunet - Twitter / Facebook / Instagram / Linked in

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