{"id":57603,"date":"2020-08-26T14:00:00","date_gmt":"2020-08-26T14:00:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/farm-your-numbers-business-management-gives-young-farmers-an-edge\/"},"modified":"2024-03-14T12:00:49","modified_gmt":"2024-03-14T16:00:49","slug":"farm-your-numbers-business-management-gives-young-farmers-an-edge","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/business\/business-stages\/grow-your-business\/farm-your-numbers-business-management-gives-young-farmers-an-edge\/","title":{"rendered":"Farm Your Numbers: Business Management Gives Young Farmers an Edge"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/entrepreneur\/\">\n\t\t\t\t\t\t\t<span>Entrepreneur<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">Farm Your Numbers: Business Management Gives Young Farmers an Edge<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Kieran Brett<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Thumbnail-default-162.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Thumbnail-default-162.jpg 930w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Thumbnail-default-162.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Thumbnail-default-162.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Farm Your Numbers: Business Management Gives Young Farmers an Edge &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/business\/business-stages\/grow-your-business\/farm-your-numbers-business-management-gives-young-farmers-an-edge\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/business\/business-stages\/grow-your-business\/farm-your-numbers-business-management-gives-young-farmers-an-edge\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published August 26, 2020 \u2022 8 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>Most Canadian farmers will tell you agriculture is an industry that cares deeply about the future. Family farms proudly trace their history through generations as older farmers retire and new ones step up.<\/p>\n\n\n\n<p>While agriculture will always have its challenges, the participants of the Farm Your Numbers program are learning business skills to help them run the farms of tomorrow.<\/p>\n\n\n\n<p>Farm Your Numbers is an annual business development program presented by RBC under the banner of the Canadian Young Farmers&#8217; Forum (CYFF). Each year, young farmers from across Canada participate in online and self-guided learning to help them develop a comprehensive business plan for their farming operation or business idea. One farmer per province or territory is selected to travel (round-trip airfare provided) to the national Canadian Young Farmers&#8217; Forum Conference. The young farmer who writes the best business plan \u2014 judged by an expert panel \u2014 wins $25,000.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">&#8220;The Most Profitable Work in Farming is Thinking&#8221;<\/h2>\n\n\n\n<p>Veronica Vermeulen, a young Milford, Nova Scotia dairy and broiler producer, received the $25,000 cash prize at the national Farm Your Numbers conference in Charlottetown, PEI last February.<\/p>\n\n\n\n<p>\u201cI came to the conference with a proposition to improve my business,&#8221; says Vermeulen. \u201cIn our dairy operation, we raise calves for six months \u2014 then we send them away to be custom-raised for the rest of that first year before they enter the milking herd.&#8221;<\/p>\n\n\n\n<p>Vermeulen&#8217;s business idea was to omit the second step and raise the calves on-site for the full first year. That would avoid the cost of six months of custom-raising calves off the farm, but create the new cost of raising them at home. Vermeulen needed to consider the effects on the farm&#8217;s financial position, infrastructure needs and human resources.<\/p>\n\n\n\n<p>She worked through the scenarios in the weeks leading up to the Charlottetown event, then pitched her ideas to the Farm Your Number expert panel. Insight from the panel helped her refine the ideas and gave her confidence she says.<\/p>\n\n\n\n<p>\u201cI found it very powerful,&#8221; says Vermeulen, \u201cnot only how to analyze the numbers, but also the process to go through for decision-making. I was so impressed by the other farmers there. It was very informative to see them lay out their plans.&#8221;<\/p>\n\n\n\n<div class=\"wp-block-columns has-border-color has-rbc-bright-blue-tint-1-border-color has-white-color has-rbc-bright-blue-tint-1-background-color has-text-color has-background is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\" style=\"border-width:1px\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p>I always go back to what my dad always said: \u2018The most highly paid work you\u2019ll do in farming is&nbsp;<em>thinking<\/em>.<\/p>\n\n\n\n<p>\u2013 Veronica Vermeulen \u2013 Nova Scotia<\/p>\n<\/div>\n<\/div>\n\n\n\n<p>\u201cI always go back to what my dad always said: &#8216;The most highly paid work you&#8217;ll do in farming is <i>thinking.<\/i>&#8216; Being able to compare one opportunity to another \u2014 as in, should we buy a tractor or lease one \u2014 is an important skill to have.&#8221;<\/p>\n\n\n\n<p>After more analysis, Vermeulen and her family settled on a somewhat different path. They now plan to convert a former tie-stall barn to a heifer facility, with her $25,000 Farm Your Numbers prize to help kickstart the project.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Finding a Network of Experts and Young Farmers<\/h2>\n\n\n\n<p>Looking back, Rachel Asselin says Farm Your Numbers 2020 came along at just the right time. She and boyfriend Marc-Antoine Berthiaume spent the previous four years preparing to take over the Berthiaume family&#8217;s farming operation near Saint-Jacques de Leeds, Quebec.<\/p>\n\n\n\n<p>Building on the family&#8217;s grain and woodlot operation, the young couple saw a potential opportunity in cultivating elderberries. After creating a business plan, Asselin took it to Charlottetown for feedback.<\/p>\n\n\n\n<p>\u201cFor me, the best part of Farm Your Numbers was to have the experts look at our business, and being able to work with them to set up a good process for the next few years,&#8221; she says. \u201cIt&#8217;s changed everything in thinking about what we want for the future \u2014 the short, medium and long term. We know what we need to do to organize our ideas, keep our focus, and know we&#8217;re going to be alright.&#8221;<\/p>\n\n\n\n<p>The young farmers participating in the Farm Your Numbers Program also find a supportive network of colleagues and new friends. Facebook and Snapchat groups are helping the Class of 2020 stay in touch and exchange ideas.<\/p>\n\n\n\n<p>\u201cNow if I have a question, I know young farmers in a lot of places and can ask their opinions,&#8221; says Asselin. \u201cWe are all in agriculture, and even though there are differences between us, we are all facing the same issues.&#8221;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Learning Management Skills for Farming the Yukon<\/h2>\n\n\n\n<p>Mike Henderson is one of many determined Yukon farmers. While his operation, Shady Hills Farms, provides custom farming and trucking services for landowners in the region, his long-term goal is to buy land and farm it himself.<\/p>\n\n\n\n<p>Farm Your Numbers in Charlottetown was an important step in his journey.<\/p>\n\n\n\n<p>\u201cI call us a <em>from-the-ground-up<\/em> start-up,&#8221; says Henderson. \u201cI&#8217;ve been trying to get it going, and realized I needed more knowledge in management to deal with financial institutions.&#8221;<\/p>\n\n\n\n<p>As Henderson sees it, the biggest asset for the future of Yukon agriculture is an innovative mindset. \u201cAgriculture in the Yukon has about an 88-day growing season, but some of those days are long days in between a late-spring frost and early-fall frost,&#8221; says Henderson. \u201cHay is a key crop, but we can also grow oats, wheat, barley, peas and root vegetables. Some producers are expanding greenhouses while others are growing rapidly with livestock.&#8221;<\/p>\n\n\n\n<p>Still, while he&#8217;s keenly aware that attitude is key, there&#8217;s no substitute for viable finances.<\/p>\n\n\n\n<p>&#8220;The knowledge that I gained in the course was exactly what I was looking for. I learned I&#8217;m on the right track and could feel confident taking my idea to a financial institution.&#8221;<\/p>\n\n\n\n<p>His business plan, pitched to the Farm Your Numbers panel, was well-received.<\/p>\n\n\n\n<p>\u201cWhen you get involved in this program, you really see what it&#8217;s all about,&#8221; he says. \u201cThe knowledge and experience you gain will save you time and money down the road.&#8221;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Gaining Confidence in Your Ideas<\/h2>\n\n\n\n<p>Jackie Dudgeon and Devon MacDonald, a farm couple from MacGregor, Manitoba, became new parents in 2019 and began talking about potentially owning Dudgeon&#8217;s father&#8217;s farm in Morden, Manitoba.<\/p>\n\n\n\n<p>Dudgeon&#8217;s father Rob grows wheat, canola and soybeans. MacDonald is a cow-calf producer. The grain farm is a 90-minute drive from the cow-calf operation. And the two require different kinds of land, equipment and labour. The couple needed to figure out what to do if they owned Rob&#8217;s farm \u2014 sell the cows in MacGregor, or move them to Morden?<\/p>\n\n\n\n<p>To help her understand the options and issues, she took part in eight online Farm Your Numbers sessions with leaders Larry Martin and Heather Broughtonin. With their input, Dudgeon built up her business plan, and presented the final version at the Charlottetown event.<\/p>\n\n\n\n<p>\u201cThe idea behind my business plan was to come up with a proposal for the bank, to obtain the financing needed to transition to farming, and get started,&#8221; she says.<\/p>\n\n\n\n<p>\u201cAt first I was reluctant to spend much money,&#8221; says Dudgeon. \u201cAs I went through the process, I learned that investment was needed and making a good return on that investment was the goal.&#8221;<\/p>\n\n\n\n<p>Dudgeon says Farm Your Numbers provided an opportunity to get the new farm enterprise off on a strong financial start.<\/p>\n\n\n\n<p>\u201cI wish every young farmer could take this program,&#8221; says Dudgeon. \u201cIt was exactly what I needed. We gained confidence \u2014 we knew what we were doing, and that&#8217;s put us light years ahead.&#8221;<\/p>\n\n\n\n<div class=\"wp-block-columns has-border-color has-rbc-bright-blue-tint-1-border-color has-white-color has-rbc-bright-blue-tint-1-background-color has-text-color has-background is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\" style=\"border-width:1px\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p>It\u2019s great to meet these young farmers who want to learn, and secondly, watching them come up with great plans. You can see the transformation that takes place in their operations through this process, and it\u2019s just a fabulous thing to watch.<\/p>\n\n\n\n<p>\u2013 Larry Martin, Agri-food Management Excellence<\/p>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Building a Generation of Profitable Farmers<\/h2>\n\n\n\n<p>\u201cIt&#8217;s great to meet these young farmers who want to learn, and secondly, watching them come up with great plans,&#8221; says Larry Martin, principal with the Agri-food Management Excellence. \u201cYou can see the transformation that takes place in their operations through this process, and it&#8217;s just a fabulous thing to watch.&#8221;<\/p>\n\n\n\n<p>Farm Your Numbers is a condensed version of a program called CTEAM, which has been offered since 1998. Martin believes financial management, people management, and successful farm investment are what separates young farmers who&#8217;ll succeed from those who&#8217;ll struggle.<\/p>\n\n\n\n<p>With more than 30 years&#8217; experience in farm business management \u2014 as an academic, mentor and consultant \u2014 Martin believes that Farm Your Numbers participants are on the leading edge of farm management thinking today.<\/p>\n\n\n\n<p>\u201cThe tendency before was, if you&#8217;re going to brag about something, you brag about your yields,&#8221; says Martin. \u201cThe bragging rights now come by doing good things in management.&#8221;<\/p>\n\n\n\n<p>Alongside colleagues Heather Broughton and Julia Christensen Hughes, Martin was impressed by the Farm Your Numbers participants.<\/p>\n\n\n\n<p>\u201cI walk away thinking that the future of Canadian agriculture is in good hands.&#8221;<\/p>\n\n\n\n<div class=\"wp-block-columns has-border-color has-rbc-bright-blue-tint-1-border-color has-white-color has-rbc-bright-blue-tint-1-background-color has-text-color has-background is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\" style=\"border-width:1px\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-white-color has-text-color\">Proudly sponsored by RBC Royal Bank, the next edition of the Farm Your Numbers program takes place at the Canadian Young Farmers&#8217; Forum event from February 17 to 21, 2021 in Ottawa, ON. For more information, visit <a href=\"https:\/\/cyff.ca\/farm-your-numbers\/\">https:\/\/cyff.ca\/farm-your-numbers\/<\/a>.<\/p>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-1963e7be-95e1-4c54-866e-dbb6f9b4772e\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Farm Your Numbers: Business Management Gives Young Farmers an Edge &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/business\/business-stages\/grow-your-business\/farm-your-numbers-business-management-gives-young-farmers-an-edge\/\">\n        <img decoding=\"async\" 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class=\"wp-block-tk-spacer id-a20f0b5a-4f2a-4f8e-83bd-d2a79de6a6a1\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/agriculture\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Agriculture<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/entrepreneur\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Entrepreneur<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-read-this-next\">Read This Next<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div 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height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/04\/OSI-Maritme.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"OSI Maritme Jim Girard\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/04\/OSI-Maritme.jpg 3456w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/04\/OSI-Maritme.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/04\/OSI-Maritme.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/04\/OSI-Maritme.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/04\/OSI-Maritme.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/04\/OSI-Maritme.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 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