93 Million with Doug Andrew

Why Borrowing the Wrong Way Keeps Business Owners Stuck (Episode 56)

----------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 Indexed Universal Life can help business owners build liquid working capital, protect retirement income, and strengthen long-term wealth. Doug Andrew and his team break down the LASER Fund strategy, showing how policy loans, cash value growth, and zero-floor indexing can work together to reduce taxes and keep your money compounding.Discover why many entrepreneurs use IUL as a private financing system that helps them become their own banker while keeping capital liquid and protected.This episode reveals:- How business owners use IUL policy loans for working capital and real estate- Why zero-floor indexing can protect cash value from market losses- How tax-free retirement income can preserve compounding over time- Why sequence of returns risk can devastate traditional retirement plansWhether you want liquidity, downside protection, tax advantages, or more predictable retirement income, this episode shows how a properly structured IUL can turn cash value into a powerful financial strategy.Timestamps:00:00:00 — IUL Strategy00:02:13 — Working Capital00:04:03 — Real Estate00:05:13 — Loan Arbitrage00:06:36 — Business Funding00:15:01 — Retirement Loans00:17:31 — Be Your Own Banker00:20:40 — IUL Indexing00:24:02 — Zero Floor00:27:15 — Uncapped Growth00:31:14 — Serious Cash00:35:21 — Sequence Risk----------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 Retirees Get SHOCKED by Higher Taxes (Episode 55)

----------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 this tax trap can turn a “22% bracket” retirement into a painful spike in effective marginal tax rates. Doug Andrew and his team break down why retirees often pay more in taxes after leaving work.This episode reveals:- What creates the "tax torpedo trap" and why it hits disciplined savers- How IRMAA and Social Security taxation can multiply taxes on withdrawals- How a strategic rollout can reduce future tax shocks- The Rule of 55 basics and common mistakes retirees makeWhether you’re worried about RMDs, IRMAA, or Social Security taxes, these strategies aim to restore control over retirement income.Timestamps:00:01:20 Tax torpedo trap explained: why IRA withdrawals raise hidden taxes00:02:10 - The tax increase retirees never see coming00:03:37 - The IRA and 401k myth00:08:54 - How income two years ago hits now00:15:00 - Rule of 55 explained00:17:15 - Strategic rollout strategy00:21:20 - $1M IRA rollout example00:28:10 - Answering skeptics----------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----------

Tax-Free Retirement Planning: IUL vs Whole Life Breakdown (Episode 54)

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 the real cost difference between Whole Life and Indexed Universal Life (IUL) and why “dividends” don’t equal net returns.Uncover how rules shape death benefit requirements, how can surprise taxation be triggered, and why Internal Rate of Return (IRR) reveals what your illustration isn’t telling you.This episode reveals:- Whole Life vs IUL costs, IRR, and why “guarantees” can be expensive- TEFRA, TAMRA, and MEC rules that control max funding and taxes- The worst tax traps: jock tax, high-tax states, and the 401(k) tax bombWhether you want tax-free retirement income, better liquidity, or fewer tax surprises, these strategies show a smarter path.Timestamps:00:00:10 — Introduction00:01:20 — 2024 life insurance sales trends00:04:06 — Rules that change funding strategy00:06:33 — Apples-to-apples IRR comparison test00:09:50 — Whole life illustration00:14:31 — IUL illustration00:23:08 — Why insurance can get cheaper00:29:34 — Funding flexibility00:32:49 — Worst tax traps00:41:56 — The 401(k) tax bomb----------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----------

Is Crypto a Currency? Perceived Value, Utility, and Real Risk (Episode 53)

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 crypto volatility and perceived value make cryptocurrency risky, and why real-world utility is the key to long-term adoption. Doug Andrew and the team also reveal how a properly structured Indexed Universal Life (IUL), known as the LASER Fund, can create tax-free retirement income while protecting you with a zero percent floor and S&P 500 indexing strategies.This episode reveals:- Why crypto utility matters more than hype for long-term survival- How IUL indexing, spread, and a zero floor protect against market drops- How to avoid retirement sequence risk that can cause portfolios to run out- The purpose-driven “meaningful transformation” secret for small business growthTimestamps:00:00:00 — Optimize assets, minimize taxes, and build authentic wealth00:01:17 — Is Bitcoin really a currency?00:05:13 — Crypto adoption problem00:11:14 — Dot-com crypto analogy00:13:52 — LASER Fund vs taxable brokerage comparison00:16:07 — How IUL indexing works00:18:51 — Why crashes destroy withdrawals00:20:27 — Why tax-free income keeps going00:26:09 — Small business secrets00:32:20 — Service basics that most businesses fail00:34:53 — Final reminder----------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----------

Predictable Retirement: Liquidity, Taxes, and Stress-Free Income (Episode 52)

----------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 liquidity is the first principle of a prudent investment and how 2008 proved real estate equity can disappear when you need cash most. Doug Andrew and the team reveal how being asset rich and cash poor can derail retirement, then compare rental property after-tax cash flow to tax-free income potential using a properly structured Indexed Universal Life (IUL).This episode reveals:- Why liquidity beats chasing rate of return in a market crash- When selling a rental property can reduce stress and improve cash flow- Roth vs traditional IRA/401(k) when retirement deductions disappearWhether you want tax-free retirement income, legacy planning, or more predictability, these insights help you make smarter decisions.Timestamps:00:00:00 — Introduction00:01:47 — 2008 crash lesson00:05:43 — Refinancing for liquidity00:14:35 — Selling your rental property?00:20:20 — Compare rental income vs tax-free IUL00:25:20 — Legacy planning truth00:28:25 — Future taxes vs today00:32:44 — Retirement tax shock:00:35:16 — Uncertainty, national debt, and tax pressure----------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 Protect Retirement Income Using IUL Indexing Strategies (Episode 51)

Discover how the paper folding myth exposes the true power of compound interest and exponential growth. Doug Andrew and the panel break down how Indexed Universal Life (IUL) can deliver market-linked growth without placing your money directly in the stock market, using an insurer’s general account and options-based indexing.This episode reveals:- Why doubling (like folding paper) creates massive growth faster than you expect- How IUL indexing is structured- The deeper meaning of compoundingWhether you’re focused on retirement income, tax efficiency, or wealth preservation, these insights help you think long-term with clarity.Timestamps:00:00:00 — Introduction00:01:25 — Paper folding myth reveals exponential growth and compound interest00:04:37 — Why 93 million miles proves compounding isn’t intuitive00:09:26 — Retirement fear of running out of money solved by compounding00:11:06 — How IUL indexing works without being in the stock market00:13:37 — Bonds and options strategy explained for market-linked gains00:18:27 — Protect gains and start fresh annually00:21:01 — Market crash example shows zero floor and recovery advantage00:25:10 — No-loss casino metaphor00:30:32 — Compounding money, skills, and legacy

Tariffs, GDP, National Debt And How Retirees Should Prepare (Episode 50)

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 what a “lower deficit” really means—and why it doesn’t erase national debt or the risk of higher future taxes. The 3DW panel break down tariff revenue, GDP growth, and how baby boomer retirement withdrawals from 401(k)s and IRAs can increase taxable income at the exact moment many retirees lose deductions.Explore why a new IUL survey shows Indexed Universal Life is shifting from “just a death benefit” to a multi-purpose strategy for retirement income planning, cash value access via policy loans, business liquidity, and estate planning.This episode reveals:- What “deficit down” actually means—and why debt can still rise- How IUL is positioned for tax-efficient retirement income and protection planning- The $2 rule mindset shift: responsibility and accountability that boosts resultsIf you’re worried about inflation, taxes, and outliving your money, these insights help you build a smarter retirement income plan.Timestamps:00:00:00 — Introduction00:01:27 — Tariffs, GDP, and retirement impact00:03:25 — Deficit vs debt explained00:05:46 — Why IUL is discussed as market-loss protection alternative00:09:12 — Baby boomers retiring00:12:54 — Retirement income, liquidity, and policy loans00:14:32 — Is max-funded IUL only for wealthy?00:16:19 — Compounding, cash value, and fees00:20:05 — Real policy statement breakdown00:26:01 — Term vs IUL debate00:30:01 — The $2 rule---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 Real Retirement Tax Trap And 2026 Inflation Warning (Episode 49)

----------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 Required Minimum Distributions (RMDs) really work—and why the IRS forces withdrawals from your IRA and 401(k) starting at age 73. Doug Andrew and the team reveal the trap behind tax-deferred accounts, why RMD penalties exist, and how strategic planning can protect your retirement income and legacy.Uncover what inflation in 2026 could look like. Learn why money printing can pressure purchasing power, and how long-term, net after-tax return strategies can help you stay ahead of inflation without chasing headlines.This episode reveals:- Why RMDs exist, how penalties work, and how tax brackets impact withdrawals- How a strategic rollout can reduce future tax damage and increase tax-free income- The Rule of 55 explained: early 401(k)/403(b) access without the 10% penalty (when eligible)- How tax diversification and tax-free strategies (including IUL concepts) may improve outcomesWhether you’re worried about retirement taxes, inflation risk, or early-access planning, these insights help you take control and avoid costly timing mistakes.Timestamps:00:00:00 — Building authentic wealth foundations00:01:46 — Required Minimum Distributions explained00:03:17 — The 401(k) partnership00:05:52 — RMD penalties00:10:17 — Strategic rollout case study00:15:23 — Tax-free retirement income comparison00:20:43 — Money printing and inflation risk00:22:46 — Inflation 2026 strategy00:25:28 — Beat inflation00:29:14 — Rule of 55 explained00:35:01 — Tax bracket timing----------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 National Debt Could Raise Taxes And How to Prepare (Episode 48)

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 rising national debt and trillion-dollar interest payments could fuel higher taxes—and why tax diversification is no longer optional. Doug Andrew and the Laser Financial team break down the top tax-free retirement options (Roth IRA, HSA, and tax-advantaged life insurance) and explain why a properly structured max-funded Indexed Universal Life (IUL) can create tax-free growth and tax-free retirement income through policy loans.Uncover how IUL indexing can protect you from market downturns while still participating in upside, and why “owning most of the death benefit” can keep long-term policy costs surprisingly lean. You’ll also learn why 79% of Americans can’t define an annuity, how fixed indexed annuities work, when a 1035 exchange may improve features, and how strategic Roth conversions can create a tax-free bucket over time.If you want tax-free retirement income, safer growth, and smarter planning, this conversation shows where to start.Timestamps:00:00:00 — $1 trillion debt interest warning00:03:04 — Debt math that changes retirement planning00:05:53 — How to build tax-free retirement income beyond 401(k) traps00:11:56 — Top tax-free options00:14:39 — Real IUL case00:17:44 — Tax-free policy loans00:22:41 — Is IUL really tax-free?00:29:26 — What is an annuity?00:32:34 — Guaranteed income annuity vs growth annuity00:34:52 — Annuity downsides00:37:00 — Roth annuity explained and how strategic Roth conversions work00:39:16 — IUL vs annuity scorecard----------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----------

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----------