93 Million with Doug Andrew

2026 Economy, Inflation, Rates: What It Means for Your IUL (Episode 47)

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----------Discover how to turn New Year’s resolutions into real financial momentum with Doug Andrew and the 93 Million team. This episode connects the most common goals—health, discipline, and “getting finances in order”—to a strategy built for long-term peace of mind: a properly structured LASER Fund.Explore the 2026 stock market outlook, including optimism around GDP, inflation trends, and potential rate cuts—plus why markets can still correct without warning. Then learn how an IUL’s zero-floor approach can help protect cash value from market losses while still offering upside participation and tax-advantaged retirement income.This episode reveals:- The “pay yourself first” system and how to automate saving 20–30%- The difference between a regular IUL and a Laser Fund built for efficiencyH- ow policy structure, death benefit costs, and a smart IUL audit impact results- When a 1035 exchange may help fix a poorly designed policyIf you want tax-free retirement income, downside protection, and clarity on what you own, this conversation shows where to start.Timestamps:00:00:03 - Introduction00:01:22 - New Year’s resolutions for health and finances00:03:29 - The money resolution most ignore00:07:21 - Save more money now, automate it and pay yourself first00:08:45 - Financial stress relief starts with disciplined saving habits00:13:00 - 2026 stock market outlook: S&P forecasts, GDP, inflation, rates00:14:20 - Bullish with caution: what could still crash markets00:20:33 - Max-funded IUL: upside participation with zero-floor protection00:21:55 - LASER Fund vs IUL explained: properly structured matters00:24:52 - Laser Fund illustration: $100k per year and tax-free income00:27:52 - Young saver plan: $500/month toward tax-free retirement00:31:36 - IUL audit and 1035 exchange to fix costly mistakes00:33:03 - LASER meaning: Liquid Assets Safely Earning Returns00:36:19 - Whole life audit reality: hidden costs and reverse engineering00:38:01 - New Year wrap: organize, save, and protect your future----------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----------

The 15 Worst Investments Ever (Episode 46)

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----------Discover how the worst investments in history reveal timeless patterns that still trap investors today. Doug Andrew and the panel unpack what these collapses had in common: hype, poor transparency, weak fundamentals, and missing risk controls.Learn how the LASER test—Liquidity, Safety, Rate of Return, and Tax Advantages—helps you evaluate any opportunity before you commit capital.This episode reveals:- The ranked “worst investments” list and the red flags behind each collapse- How the LASER Fund framework filters hype and protects your principal- Why IUL loans, indexing, and flexibility are widely misunderstood wealth toolsTimestamps:00:00:00 - Build authentic wealth00:01:36 - Worst investments in history00:19:50 - LASER test framework00:29:06 - IUL loans explained00:30:33 - Lock-in and reset indexing00:34:01 - Flexible premium 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----------

Retirement Income Planning: Inflation, Taxes, and the 4% Rule (Episode 45)

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----------Discover why the 4% rule may be far too optimistic once you factor in inflation, taxes, and fees—and learn how to reverse-engineer the income you’ll actually need in retirement. Doug Andrew and the team walk through Rule of 72 inflation math, why “$1 million” can shrink fast, and how sequence-of-returns risk can derail withdrawals after a market crash.Uncover how a properly structured, max-funded Indexed Universal Life (IUL) can create more predictable, tax-free retirement income using policy loans, downside protection (zero-percent floor), and loan arbitrage—so your money may keep compounding even while you access it.This episode reveals:- The retirement income math behind inflation, taxes, fees, and the 4% rule- How IUL policy loans and arbitrage can improve retirement income potential- The Three Dimensions of Authentic Wealth—financial, foundational, intellectual—so you build a life with less “wobble” and fewer regretsIf you want predictable retirement income, tax advantages, and a balanced wealth framework, this conversation lays out the roadmap.Timestamps:00:00:00 - Authentic wealth principles00:01:36 - Why most people aren’t prepared at 7000:02:51 - 4% rule retirement math00:06:45 - Requirement for $200k net income00:07:40 - IUL retirement strategy00:10:48 - Predictable retirement planning00:14:28 - IUL vs 4% rule00:18:32 - Policy loan arbitrage explained00:22:51 - The $1M retirement myth00:27:10 - Three Dimensions of Authentic Wealth----------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 Emotional Investing Can Wreck Your Financial Plan! (Episode 44)

Discover how emotional investing sabotages retirement plans—and how index-linked IUL strategies can replace panic with peace. Doug Andrew and the team reveal the five emotional investor types that lead to buying high and selling low, then explain how an Indexed Universal Life (IUL) approach can reduce downside exposure while still participating in market growth through lock-in and reset principles.Uncover how loan arbitrage inside properly structured IUL policy loans may increase tax-free retirement income. See why a “zero wash” loan differs from an arbitrage loan, and how small percentage differences can compound into major long-term outcomes.This episode reveals:- The five emotional investing traps and how they crush real-world returns- IUL indexing basics, the 0% floor concept, and why market drops can become opportunity- Loan arbitrage explained: policy loans, tax-free income, and legacy-focused planning- How to take your family from "me" to "we" with responsibility, trusts, and governanceWhether you’re seeking downside protection, tax-free income, or generational wealth planning, these insights show a clearer path forward.Timestamps:00:00:00 — Introduction00:01:41 — The five emotional investing types00:03:19 — Why panic selling locks losses00:07:17 — IUL indexing explained00:09:14 — Why market drops can become opportunity00:12:49 — Loan arbitrage basics00:13:39 — IUL simulator walkthrough00:21:41 — Policy loan myths00:26:04 — "Me" to "we" wealth transfer00:28:32 — Hand up vs handout00:33:28 — Protect heirs, values, and generational wealth

Is Time To Rethink Your 401(k): Fees, Penalties, and Taxes (Episode 43)

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----------Discover how rethinking the 401(k) can protect your retirement from hidden partners and silent tax traps. Doug Andrew and his team expose why traditional qualified plans—401(k)s and IRAs—often serve Uncle Sam better than they serve you. They explore the three dimensions of authentic wealth while revealing how fees, penalties and government rules can quietly eat up your savings. See why shrinking your taxable pie and growing a tax-free “cake” may beat gambling on future tax rates and RMDs.This episode covers:- Why 401(k) fees, penalties and tax rules create a retirement time bomb- How to convert vulnerable assets to tax-free wealth- The costly legacy of inherited 401(k)s and how to leave money to your kids tax-freeWhether you’re worried about market volatility, future tax hikes or burdening your heirs, these insights show how you can transform your retirement and legacy.00:00:00 – Introduction00:01:40 – Why a 401k makes you partner with Uncle Sam00:06:07 – The 10% and 50% penalties hiding inside your 401k00:09:20 – Threats to your retirement income00:12:55 – Hidden 401k fees00:13:52 – Time Magazine 401k opinions00:20:52 – From pensions to 401(k)s00:25:30 – Dangers of inheriting a 401k00:28:25 – Strategic rollout explained00:33:40 – Why CPAs say pre-tax accounts are the worst legacy asset00:35:06 – Final Takeaways----------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----------

Stock Market Bubble And Future Tax Hikes (Episode 41)

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---Discover how today’s overvalued stock market and rising national debt could threaten your retirement and how max-funded Indexed Universal Life (IUL) can turn volatility into opportunity. Doug Andrew and his team unpack the S&P 500’s sky-high P/E ratio, the speculation swirling around AI, and why the next correction is a matter of when, not if. Learn how indexing strategies with a zero-percent floor lock in gains while shielding you from market drops.Uncover how IUL’s tax-free growth and smarter indexing can protect your wealth from both crashes and future tax hikes. You’ll see why shifting money out of fully taxable IRAs and 401(k)s into tax-favored IUL can help you keep more of what you’ve built—no matter what happens on Wall Street or in Washington.This episode reveals:- How indexing in IUL lets you capture upside with no market losses- Why $38T of debt and $105T of unfunded liabilities point to higher future taxes- How to diversify tax buckets so retirement income isn’t eaten by the IRS- What the Kyle Busch IUL case teaches about structure, funding, and agent incentivesWhether you’re worried about a stock market crash, creeping tax policy, or protecting your family’s inheritance, these insights show how a properly structured, max-funded IUL can help safeguard your assets and create tax-free income for life.Timestamps:00:00:00 - Introduction00:00:24 - Discussion on Overpriced Stock Market00:01:23 - Understanding the PE Ratio00:02:19 - Historical Market Performance00:02:51 - Protecting Investments and Market Predictions00:06:49 - The Importance of a Market Strategy00:08:15 - Understanding Indexing in IULs00:08:30 - Explaining Different Indexing Choices00:13:28 - The Benefits of Indexing00:13:54 - Indexing Options in IULs00:15:07 - Discussion on Indexing Strategy00:16:16 - Viewer Engagement and Question00:16:31 - Discussion on Future Tax Rates00:17:34 - Detailed Analysis of Proposed Tax Changes00:26:51 - Understanding Tax Benefits of IULs00:28:48 - Importance of Tax Diversification00:30:24 - Discussion on Future Tax Rates and Predictions00:34:05 - Viewer Engagement and Advertisement00:36:01 - Discussion on IULs and Kyle Busch Situation00:37:53 - Final Thoughts on Kyle Busch Situation00:45:41 - Conclusion and Outro---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

Retiree Risk, Rising Taxes and the Power of IUL (Episode 40)

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----------Discover how understanding risk, national debt, and taxes can transform your retirement strategy. Doug Andrew and his team break down why so many near-retirees are overexposed to market risk, how inflation and the 4 percent rule can quietly sabotage your nest egg, and why properly structured Indexed Universal Life (IUL) may be the missing piece in your plan.Uncover how IUL’s zero-percent floor, annual reset, and smarter indexing work alongside conservative design to preserve what you’ve built—even when volatility spikes. Explore the real implications of a $36 trillion national debt, looming Medicare and Social Security shortfalls, and the government’s growing appetite for tax revenue, including your IRAs and 401(k)s.This episode covers:- Why risk tolerance rises dangerously near retirement—and how to correct it- The simple math showing why many savers may need $6 million or more- How moving from tax-deferred accounts to tax-free IUL can cut lifetime taxes- The difference between market losses and IUL’s zero-percent floor and reset- What really happens if the dollar “crashes,” and why bartering, not gold, rulesWhether you’re worried about outliving your money, higher tax brackets, or another market crash, these insights show how the LASER Fund and IUL can help you create tax-free income, protect your family, and build wealth that endures uncertainty.Timestamps:00:00:00 – Introduction00:01:16 – Why 60-year-olds are still investing like twenty-somethings in equities00:03:07 – Record 401k stock exposure before retirement age00:04:20 – $6.2 million wake-up call00:07:25 – How Fed-driven low interest rates forced retirees into risky markets00:09:05 – The danger of chasing AI stock booms00:12:03 – National debt explodes from $24T to $36T00:17:10 – IUL versus tax-deferred accounts00:21:45 – Rolling IRAs into IUL and slashing a multimillion-dollar tax bill00:28:20 – Why politicians are eyeing your $30 trillion in retirement accounts00:32:01 – What if the U.S. dollar actually crashes?00:35:25 – Brazil’s 19,000% inflation00:39:39 – Taxes, dollar fears, and bartering for survival----------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----------

What Do We Know About Kyle Busch’s $8.5 Million Indexed Universal Life Lawsuit? (Episode 38)

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----------Discover how a properly structured, max-funded IUL can compound safely and deliver tax-free retirement income. Doug Andrew’s team unpacks the rails—TEFRA, DEFRA, TAMRA—and why designing for your guideline single premium (the right “building size”) beats bloated death benefits every time. Learn why going beyond products (the “engine”) and focusing on structure, funding, and annual tune-ups (the “pit crew”) leads to durable results.Uncover how the zero-percent floor and smarter indexing aim to preserve principal during market drawdowns, while disciplined funding and reviews keep policies on track. Reclaim clarity with a DIY in-force illustration audit and fee report that reveal vacancy (underfunding) at a glance.This episode reveals:- Max-funding basics and why TEFRA/DEFRA/TAMRA matter- Option A vs. Option B and optimizing death benefit costs- Case studies showing real growth, fees, and tax-free incomeWhether you seek tax advantages, long-term compounding, or peace of mind, these insights show how a well-built IUL can power authentic wealth.Timestamps:00:00:43 — Kyle Busch case00:01:32 — Why big IUL losses happen00:05:46 — Don’t blame IULs00:06:27 — Four pillars: structure, funding, management, and real examples00:07:18 — Two IUL failure points most investors overlook00:10:55 — Owning your death benefit00:13:10 — TEFRA, DEFRA, TAMRA00:16:27 — Cash value parity by years five to eight00:18:08 — Case study: 2019 Pacific Life policy compounding correctly00:21:22 — Annual reviews and index choices: minor levers, major habits00:25:08 — Long-term results: fees down, values up after year ten00:29:23 — Large policy example00:35:00 — DIY audit----------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----------

The LASER Fund Playbook: IUL Growth, Fees, and Protection (Episode 37)

Discover how true compounding—not simple averages—can protect your lifestyle in retirement. Doug Andrew and the 93 Million team reveal how to convert fear into confidence with indexed universal life (IUL), combining tax-free growth, downside protection, and smarter withdrawals.Uncover how IUL’s zero-percent floor and index crediting help you avoid sequence-of-returns risk while pursuing growth. See why small compounding gains (vs “12% average” hype) can double long-term outcomes, and how properly structured IUL fees stay low over time.This episode reveals:- The danger of sequence risk and why averages can mislead- How a max-funded IUL targets tax-free income with a zero floor- Real illustrations and statements that debunk “exuberant” IUL feesWhether you want predictable income, tax advantages, or peace of mind for your family, these insights show how The LASER Fund framework and IUL structure can help you avoid running out of money and retire with confidence.Timestamps:00:00:00 — Introduction00:01:41 — Outliving your money00:03:03 — Dignity, independence, and why financial self-reliance matters00:05:20 — Can I retire without returning to work later?00:11:29 — Average vs compounded returns: the 12 percent myth00:15:25 — How “12% average” still runs out of money00:18:10 — Why a 50% rebound can’t fix a 40% crash00:19:26 — Zero is your hero: IUL’s downside protection floor00:20:50 — The 93 Million principle00:22:23 — Safe withdrawals, taxes, and the 4 percent rule update00:28:20 — How to act: tax-free strategies with Laser Financial00:30:12 — Advisors: scale with the IUL Insiders Challenge00:30:21 — IUL fee myths vs reality: see the actual numbers00:35:12 — Real statements: low costs for young and older clients00:39:18 — Structure is everything: build IULs the right way----------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

Turning Market Crashes Into Gains (Episode 36)

Discover how to turn volatility into opportunity with Indexed Universal Life (IUL). Doug Andrew and team break down the annual reset, “zero is your hero,” and strategic no-cap indexing so you can sidestep losses and ride powerful rebounds with confidence. Learn how policy-loan arbitrage—borrowing at one rate while your cash value keeps compounding—can help supersize tax-free retirement income. Then apply the LASER test (Liquidity, Safety, Return) to your mortgage strategy and uncover the real cost of extra principal payments.Uncover how IUL’s floor, locked-in gains, and smarter index choices can help you preserve what you’ve built through downturns and recoveries alike. Discover why keeping liquidity in a compounding, tax-advantaged bucket may beat sending dollars to illiquid home equity.This episode reveals:- Annual reset & no-cap tactics to capture rebounds after crashes- Arbitrage with policy loans to potentially lift tax-free income- LASER-based mortgage decisions that prioritize liquidity and growthWhether you want downside protection, compounded growth, or a disciplined income plan, these insights show how a properly structured IUL can fortify your financial future.Timestamps:00:01:48 — IUL annual reset00:05:15 — Zero is hero00:06:52 — Lock gains, reset00:08:41 — No-cap index picks00:11:20 — COVID threshold surge00:12:49 — Fixed account option00:13:18 — IUL arbitrage basics00:15:24 — Zero-wash vs index00:18:58 — 50% income lift00:26:18 — Mortgage vs LASER----------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----------