What if the hardest part of building wealth for your children isn't the money—it's making sure they're ready for it?In this episode, Winnie sits down with Michael DeLon, founder of Paperback Expert, husband, father of four, and grandfather, who has used The Infinite Banking Concept® to build a family pool of money with his wife, Jill, since 2013. Michael shares how they started from mutual funds and a market correction that shook their confidence, how they've used permanent life insurance policies to help their adult children with real-life needs like an air conditioner repair, and how they're funding their kids' retirement now instead of waiting to leave a lump-sum inheritance later. He also opens up about using policy loans to help young families break free of high-interest debt, and why he believes character and stewardship must come before ownership.

This conversation is about more than policies and premiums. It's about what it actually takes to raise children who are ready to carry a family's financial legacy forward—and it offers practical, real-world guidance for Canadian families thinking through their own generational wealth plan. Michael's story shows how a family pool of money, used well, can bring a family closer instead of pulling it apart.

Ready to start building your own family pool of money?

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

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