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Mark Hazard offers the same advice to young ranchers that he and his father have followed for decades: build wealth while you're young and enjoy it later. The younger Hazard was president of Cadence Bank in West Point, Miss., from 1987 until 2010. But he first learned the basic principles from his dad in their stocker business.Mark recommends the following - work your way into not having to borrow money to buy your land and cattle. Own them outright as soon as possible. In addition to the steer raising enterprise he shares with his dad, Mark also has a separate heifer business.