93 Million with Doug Andrew

Why Traditional IRAs Are a Tax Trap And How To Convert Them to a Tax-Free Retirement (Episode 9)

Discover how rising national debt, broken retirement systems, and unsustainable tax policies could derail your financial future—and what you can do to protect yourself. Doug Andrew and his team break down the hidden risks of traditional retirement vehicles like IRAs and 401(k)s and reveal how Indexed Universal Life (IUL) can create a safer, tax-free path forward.Uncover how strategic rollouts, IUL’s triple tax advantage, and long-standing sections of the Internal Revenue Code can free you from the tax trap and give you back control over your retirement. Learn why trusting the government with your future could be the costliest mistake—and how to avoid it.Now that you understand the dangers of deferral and overspending, this episode reveals:- Why IRAs and 401(k)s are ticking tax time bombs- How to escape the rising tax tide with a strategic rollout- The power of IULs to protect, grow, and pass on wealth tax-freeWhether you're retired, planning to retire, or advising others, these insights show how to shield your wealth from taxes and future-proof your legacy.00:01:17 – The deficit dilemma threatening your retirement00:07:05 – Why the $92 trillion national debt can’t be ignored00:10:20 – The coming 33% tax increase—are you ready?00:14:20 – Your 401(k) isn’t all yours—here’s why00:17:27 – What is a strategic rollout and how does it work?00:22:53 – Why tax-free income equals financial freedom00:24:16 – IUL explained: tax-free growth and protection00:29:34 – How $300K turned into $1.5M tax-free00:31:20 – Will Congress take away IUL benefits?00:36:11 – How to avoid a 37% tax hit in retirement----------Ready to speak with a Specialist? Book a free Quick Consult here:https://3dimensionalwealth.com/getstartedWant to Learn More? Register For An Upcoming Event:https://3dimensionalwealth.com/eventsClaim Your Free Copy of The L.A.S.E.R. Fund BookGo to: https://www.laserfund.comAre you an advisor interested in what we teach? Go to: www.iulinsiderpro.com

Why IUL Beats Whole Life And Market Volatility (Episode 8)

Discover how market volatility and emotional investing can quietly sabotage your retirement—and what to do about it. In this episode of “93 Million with Doug Andrew,” Doug and his team break down why Indexed Universal Life (IUL) outperforms traditional options like Whole Life and 401(k)s when it comes to protecting and growing wealth.You’ll learn how IUL’s zero-percent floor and tax-free income structure keep your savings safe—even in a downturn. This episode is packed with insights to help you avoid emotional money decisions and instead focus on strategic asset protection using the L.A.S.E.R. Fund framework.This episode reveals:- Why emotional investing leads to major financial losses- How IUL offers tax-free retirement income and compound growth- Why IUL beats Whole Life in cost-efficiency and performance- The hidden dangers in banks, 401(k)s, and “safe” investmentsGain peace of mind, smart strategies, and lasting financial freedom—all with Doug Andrew’s proven tools.00:01:20 – How 3 Days in 2020 Shook the Stock Market00:03:07 – Why Emotion Destroys Logic in Investing00:04:47 – Global Events and the Ripple Effect on Markets00:06:36 – Using Life Insurance as a Living Financial Asset00:08:53 – How the IRS Legally Allows Tax-Free Growth00:10:05 – IUL: Designed for Income, Not Just Death Benefit00:14:40 – Why Indexed Universal Life Beats Market Volatility00:16:46 – Whole Life vs IUL: Which Builds More Wealth?00:22:00 – Internal Rate of Return: The Real Cost Comparison00:27:00 – The Shocking Truth About Where Americans Store Wealth00:31:13 – Feeling Lost Financially? Here’s What to Do----------Ready to speak with a Specialist? Book a free Quick Consult here:https://3dimensionalwealth.com/getstartedWant to Learn More? Register For An Upcoming Event:https://3dimensionalwealth.com/eventsClaim Your Free Copy of The L.A.S.E.R. Fund BookGo to: https://www.laserfund.comAre you an advisor interested in what we teach? Go to: www.iulinsiderpro.com

Episode 7: Combat Inflation With These Wealth Protection Strategies

Explore how to outpace inflation, reduce risk, and grow tax-free income with the power of Indexed Universal Life (IUL). Doug Andrew and the 93 Million team break down the real threats of inflation and market volatility—and how smart strategies, not guesswork, lead to long-term financial peace of mind.Discover how income arbitrage, policy loans, and the miracle of compound interest let your money work in two places at once. Learn why predictability, not speculation, is the key to financial independence.Now that you understand the power of properly structured IULs, this episode reveals:- Why inflation is the silent eroder of wealth—and how to stop it- How indexing strategies with a 0% floor create true financial predictability- The truth about tax-free loans inside IULs and how they unlock abundance- Real client stories showing 8.5% payouts and millions preserved in retirementIf you're building wealth, planning for retirement, or protecting your legacy, this episode is your blueprint for a tax-free future.00:00:00 – What Is Indexed Universal Life and Why It Matters00:03:02 – Advice on Managing Inflation Wisely00:04:06 – Is Giving Taxpayer Money Back a Good Idea?00:06:54 – Inflation Explained: What It Means for Your Savings00:08:00 – Outpacing Inflation with Smart Financial Strategy00:10:26 – What to Do During High Inflation Periods00:12:33 – How Indexing With IUL Helps You Beat Inflation00:17:07 – Why IUL Is a Powerful Tax-Free Retirement Tool00:19:52 – Understanding Risk vs Return with IUL00:29:04 – Income Arbitrage: Earning on Loans Within IUL00:35:01 – How IUL Creates a True Hedge Against Inflation00:40:25 – Doug’s Airplane Fuel Story: The Financial Analogy00:46:10 – The #1 Retirement Fear00:47:13 – Predictability, Inflation, and Legacy----------Ready to speak with a Specialist? Book a free Quick Consult here:https://3dimensionalwealth.com/getstartedWant to Learn More? Register For An Upcoming Event:https://3dimensionalwealth.com/eventsClaim Your Free Copy of The L.A.S.E.R. Fund BookGo to: https://www.laserfund.comAre you an advisor interested in what we teach? Go to: www.iulinsiderpro.com

Episode 6: Authentic Wealth Success: Why Strategy Beats Products Every Time

Discover how the Three Dimensions of Authentic Wealth can balance your life and fortify your finances. Doug Andrew and his team dive into the “93 Million” principle, blending Foundational, Intellectual, and Financial assets with the power of a max-funded Indexed Universal Life (IUL). Learn why going beyond products (the clubs) and focusing on strategies (the swing) leads to abundant, tax-free retirement outcomes.Uncover how IUL’s zero-percent floor and smarter indexing preserve what you’ve built from market downturns. Discover the joy of building your legacy, protecting your loved ones, and creating real wealth that outlasts any crisis.Now that you see the benefits of a diversified approach and a balanced life plan, this episode reveals:- The Three Dimensions of Authentic Wealth and why money alone isn’t enough- How a max-funded IUL delivers tax-free income and protects you from market drops- Real stories proving you can stay secure regardless of economic uncertaintyWhether you’re seeking tax advantages, compound growth, or peace of mind for your family, these insights show how the L.A.S.E.R. Fund framework can transform your future.00:00:00 – Introduction to the Three Dimensions of Authentic Wealth00:01:43 – Foundational vs. Financial: Achieving True Balance00:03:30 – Intellectual Assets and Why Knowledge Empowers Your Money00:07:15 – Financial Dimension: Safe, Liquid, Tax-Free Strategies00:13:02 – Overcoming Advisor Fears and Gaining Real Financial Confidence00:18:09 – Embracing Indexing: Zero Floors and Steady Gains00:23:45 – Swing vs. Clubs: Strategy Over Products for Authentic Wealth00:30:11 – Diversification, Annual Reviews, and Protecting Your Legacy00:35:50 – Takeaways: Building a Robust Future with a Max-Funded IUL*----------Ready to speak with a Specialist? Book a free Quick Consult here:https://3dimensionalwealth.com/getstartedWant to Learn More? Register For An Upcoming Event:https://3dimensionalwealth.com/eventsClaim Your Free Copy of The L.A.S.E.R. Fund BookGo to: https://www.laserfund.comAre you an advisor interested in what we teach? Go to: www.iulinsiderpro.com

How to Build a Tax-Free Wealth Strategy (The 93 Million Plan)

Could focusing on products rather than strategy be quietly undermining your financial future? In this episode of 93 Million with Doug Andrew, you'll learn how to build a powerful, tax-free wealth strategy based on principles of liquidity, safety, and rate of return, ensuring you're positioned for long-term financial success.
Join host Greg Duckwitz, along with financial strategists Doug Andrew, Emron Andrew, Aaron Andrew, and Brandon Johnson, as they explain why traditional approaches to retirement planning may be leaving you exposed to unnecessary risk and hidden costs. The team introduces the LASER Fund (Liquid Assets Safely Earning Returns) concept, emphasizing the importance of a solid financial foundation and a strategic focus over chasing "shiny objects."
Discover how properly structured Indexed Universal Life (IUL) policies provide a unique combination of tax-free growth, income flexibility, and robust protection against market downturns. The panel dives deep into the mechanics of indexing, sharing insights on how to select and manage various indexes to maximize your financial growth safely and effectively.
Tune into this detailed discussion and equip yourself with the tools to build your own secure, tax-advantaged retirement strategy, empowering you to reclaim control and enjoy greater peace of mind in your financial future.
Key topics covered: Indexed Universal Life (IUL), LASER Fund concept, tax-free income strategies, financial liquidity and safety, retirement income planning, indexing strategies, financial leverage.

Indexed Universal Life (IUL) Explained: The Tax-Free Wealth Strategy

Are traditional retirement plans like IRAs and 401(k)s quietly sabotaging your wealth? In this episode of 93 Million with Doug Andrew, the financial myths around conventional retirement accounts are exposed, revealing why millions of Americans find themselves trapped by hidden fees, market losses, and unexpected taxes.
Join host Greg Duckwitz and financial experts Doug Andrew, Emron Andrew, Aaron Andrew, and special guest Scott Reynolds as they debunk the myth that you'll retire in a lower tax bracket and uncover the truth behind the tax trap inherent in IRAs and 401(k)s. Learn how hidden fees and market volatility can significantly erode your savings, and why traditional retirement plans often benefit Uncle Sam more than you.
The team also introduces Indexed Universal Life (IUL) as a powerful alternative—offering tax-free growth, protection from market downturns, and unmatched financial flexibility. Discover why IUL strategies can be a safer, more predictable way to secure your retirement and financial legacy.
Tune in to this enlightening discussion and learn how you can reclaim control of your financial future through smarter, tax-advantaged wealth management strategies.
Key topics covered: Indexed Universal Life (IUL), tax-free retirement strategies, hidden fees, IRA and 401(k) tax traps, market losses, liquidity and control.

How the Ultra-Wealthy Build & Protect Wealth (Beyond Stocks & 401(k)s)

Ever wonder how the ultra-wealthy grow and protect their fortunes without relying on stocks or traditional retirement plans? In this insightful episode of 93 Million with Doug Andrew, Doug Andrew and his expert team unveil the secret strategies used by banks, billionaires, and savvy entrepreneurs to multiply wealth and minimize risk—far beyond Wall Street.
Join host Greg Duckwitz along with Doug Andrew, Emron Andrew, Aaron Andrew, and special guest Brandon Johnsen, as they explore sophisticated yet accessible wealth-building techniques like Bank-Owned Life Insurance (BOLI), Corporate-Owned Life Insurance (COLI), and Indexed Universal Life (IUL). Discover how these tools offer tax-free growth, unparalleled liquidity, and safe, positive leverage that even the most conservative institutions rely upon.
This episode also addresses the "ticking tax time bomb" within traditional IRAs and 401(k)s, and why Uncle Sam is the last partner you'd ever want in your retirement plan. Learn how to harness strategies that provide greater liquidity, control, and predictability in your financial future, protecting you from market downturns and unforeseen financial pitfalls.
Tune in to uncover the wealth management principles typically reserved for the financial elite and learn how you can apply them to achieve greater financial security and freedom.
Key topics covered: Bank-Owned Life Insurance (BOLI), Corporate-Owned Life Insurance (COLI), Indexed Universal Life (IUL), tax-free retirement strategies, leveraging wealth, liquidity and control.

The Retirement Lie: Why 401(k)s & IRAs Could Cost You Millions

Think your 401(k) or IRA is the ultimate retirement solution? Think again. In this eye-opening episode of 93 Million with Doug Andrew, Doug Andrew and his financial experts reveal the hidden pitfalls of traditional retirement accounts like 401(k)s and IRAs, uncovering how these widely-used investment vehicles could actually cost you millions.
Join host Greg Duckwitz, along with Doug Andrew and special guests Emron Andrew, Aaron Andrew, and Scott Reynolds, as they break down the critical flaws of conventional retirement strategies, including how taxes, fees, and market volatility can significantly erode your retirement savings. Discover the powerful alternative of Indexed Universal Life (IUL) insurance and learn how its zero-percent market-loss floor and tax-free growth capabilities can protect your wealth and secure your financial future.
This episode tackles common misconceptions spread by financial personalities like Dave Ramsey and highlights real-world examples demonstrating how properly structured IULs consistently outperform traditional retirement plans.
Tune in to learn why understanding these critical differences today could protect your financial legacy tomorrow.
Key topics covered: Indexed Universal Life (IUL), retirement myths, market volatility protection, 401(k) & IRA risks, tax-free retirement strategies.

How Small Financial Decisions Create Exponential Wealth (93 Million Principle)

How Small Financial Decisions Create Exponential Wealth (93 Million Principle)
Have you ever wondered how seemingly small financial decisions can drastically impact your future wealth? In the debut episode of 93 Million with Doug Andrew, Doug and his expert team uncover the power of compound interest and how tiny adjustments can exponentially grow your wealth over time.
Join Doug and his host Greg Duckwitz along with his special guests, including seasoned financial strategists Emron Andrew, Aaron Andrew, and Brandon Johnsen, as they demystify common money myths and introduce the remarkable "93 Million Principle"—illustrating how even the simplest financial actions, consistently applied, can yield extraordinary results.
You'll discover why most Americans unknowingly sabotage their financial futures by misunderstanding compound interest and taxes, and how a properly structured Indexed Universal Life (IUL) policy can help you harness tax-free growth, protect your money from market volatility, and create authentic, lasting wealth.
Listen now and learn how small, intentional steps today can secure exponential wealth tomorrow.
Key topics covered: compound interest, IUL strategies, retirement planning, tax-free growth, financial myths.