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 financial divide created by life experience, history, government and the banks. Alright, come lean in and check out our first show, Ranch Your Way.
Episodes
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...
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 pla...
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 biggest mindset shifts around The Infinite Banking Concept®.
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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, t...
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...
There's a lot of noise in the marketplace right nowespecially 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 fin...
Farmers and ranchers are speaking upand 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 winbut who really owns the outcome when things don't go as plan...
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 we...
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.
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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 Infinite Banking doesn't resonate with everyoneand why that's actually a good thing.
If you don't see a problem with how you're currently using ba...
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 gr...
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-list...
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 th...
Clarity Over Noise: Infinite Banking and Long-Range Financial Sovereignty with Ken Shapero
In this conversation, Winnie sits down with Ken Shapero to explore his journey from early Apple innovation and Wall Street finance to a life devoted to The Infinite ...
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 Infinite Banking Concept®?
In Episode 94, Winnie and Lacy unpack one of the most common questions we receive:
Should extra cash go str...
Most families start Infinite Banking.
Very few truly live it.
Fresh off a private annual gathering of Authorized Infinite Banking Practitioners from across North America, Winnie and Lacy share what separates those who simply open policies from those who build generational systems.
In this episode, we unpack:
• Why mindset matters more than mechanics
• What policy loans are really teaching you
• How financial noise disrupts ...
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:
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Should you run all your income through your policy?
-
How much cash should you kee...
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 tog...
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)
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The Lifetime Capital Gains Exemption connec...
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:
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The spouse who's "not sure yet"
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The operator who knows something feels off—but can't quite name it
-
The family pay...
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