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.