93 Million with Doug Andrew

Can IUL Beat the S&P 500 Over 20 Years? (Episode 18)

Harness the showdown between Wall Street and a max-funded Indexed Universal Life policy. Doug Andrew’s team exposes hidden fees, taxes, and sequence-of-returns traps while unveiling the L.A.S.E.R. Fund’s 0% floor and uncapped S&P strategy.Witness how tax-free policy loans, insurer guarantees, and smarter indexing preserve wealth through every crash and rebound.Now that you see how predictable income beats raw growth charts, this episode reveals:- Why zero-loss years compound faster than risky 401ks- How IUL loans create lifetime cash flow without draining principal- Real case studies proving retirees can double wealth while sleeping soundlyWhether you fear market crashes, rising taxes, or outliving savings, these insights show how the Laser Fund framework can secure your family’s future.00:00:32 – Can IUL Beat the S&P 500 Over 20 Years?00:04:50 – Zero Percent Floor: Ending Sleepless Nights in Bear Markets00:09:14 – Guarantees Explained: Why Insurers Outlast Wall Street Crashes00:15:04 – Sequence-of-Returns Risk: Retiring at the Worst Possible Time00:19:30 – Simulator Proof: IUL vs Taxable Account Income at 6500:25:14 – How Policy Loans Deliver Tax-Free Retirement Cash Flow00:33:40 – Variable vs Zero-Wash Loans: Which Multiplies Wealth Faster?00:38:59 – 4 % Rule Flawed—IUL’s Predictable Payout Beats It Cold00:40:07 – Take Action: Steps to Build Your Laser Fund Strategy----------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 Crash Survival And Historical Financial Lessons (Episode 17)

Are you worried about losing money when markets crash? In this thoughtful episode, we demystify Indexed Universal Life insurance as a potential safety net for uncertain times. You’ll learn how historical crashes teach us to diversify and stay liquid, and why an IUL’s annual reset lets you capture new gains without dragging losses. Our guests break down complex insurance features into simple advice that addresses real fears. Key takeaways include:- How IUL’s annual reset protects your principal after downturns- What Great Depression lessons can teach us about financial safety- Advanced IUL tools (index locks, alternative indices) that hedge against crashesTimestamps:00:00:00 – Economic safety.00:03:15 – IUL explained: What is Indexed Universal Life insurance and how it works?00:05:42 – Market myth-busting: Does IUL really track the stock market?00:08:10 – Great Depression flashback: Key lessons on diversification and cash reserves00:11:05 – Explaining the annual reset: How IUL “resets” losses and captures rebounds00:14:30 – Downturn hedge strategy: Why IUL can protect retirement income in a crash.00:17:20 – Advanced IUL features: Cap/floor growth, lock-ins, and alternative index options00:21:10 – Portfolio mix: Combining IUL with safe assets to weather volatility.00:24:50 – Pitfalls & myths: Limitations of IUL (no bull-run beating, fees).00:27:00 – Wrap-up: Strategic takeaways for financial security and next steps.----------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----------

Government Waste, National Debt & Your Retirement Plan (Episode 16)

Discover how shattered trust in Washington and ballooning national debt threaten your savings. Doug Andrew and the 93 Million team reveal the “Laser Fund” solution—combining tax-free IUL growth, liquidity, and zero-percent market floor—to outpace looming tax hikes. Learn why exposing $160 B in Covid fraud matters for your 401(k), how real IUL statements delivered 111 % gains, and where real estate fits when liquidity dries up.Now that you see the benefits of a diversified, tax-free strategy, this episode reveals:- How government waste signals higher future taxes and what to do now- Proof that max-funded IULs outperform while capping downside risk- Ways to pair IUL liquidity with real-estate equity for stress-free retirementWhether you fear rising tax brackets, market crashes, or late-life cash crunches, these insights show how the Laser Fund framework can fortify your family’s future.00:00:30 – Government fraud exposed: $160 B wasted, receipts halted the cash flow05:12:00 – Trust in government hits record low—why retirees should worry now12:42:00 – 1 % tax to 94 % peak: history predicts future hikes18:46:00 – IUL 101: tax-free safety net with zero-percent market floor25:15:00 – Real client statements show 111 % gains, no crash losses32:45:00 – Four IUL myths debunked: fees, risk, performance, fiduciary costs33:13:00 – Real estate headaches vs IUL liquidity for retirement cash flow38:22:00 – House-rich cash-poor? How to unlock equity tax-free39:58:00 – Action plan: consultations, IUL Challenge, secure 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----------

Tax Bill Drama, Taking Risks Near Retirement, And IULs vs IRAs (Episode 15)

Unlock authentic wealth with Indexed Universal Life and balanced strategy. Doug Andrew’s “93 Million” podcast merges Foundational, Intellectual, and Financial assets inside a max-funded IUL to deliver tax-free income and a zero-percent market floor. Discover smarter indexing, eliminate hidden cost drag, and fortify your legacy while escaping looming tax hikes.This episode reveals:- Why expiring tax cuts could raise your bracket by 17 %- The 4 % rule trap—and how IUL pays double, tax-free- Policy-audit tips to stop fees draining your futureBuild peace of mind, compound growth, and family protection through the L.A.S.E.R. Fund framework.00:00:00 - Meet Doug Andrew & Crew—Taxes, Risk and IUL Wealth Secrets00:01:33 - Will Congress Extend 2017 Tax Cuts or Trigger Massive Hikes?00:03:29 - Bracket Jump Math: 22 → 25 % Equals 13 % Higher Tax Bills00:09:08 - Retirement Roulette: High-Risk Catch-Up Strategies Often Backfire00:12:53 - Singles & Doubles Investing Beats Desperate Grand-Slam Gambles00:18:14 - Policy Audit 101: Slash IUL Cost Drag Below One Percent00:25:10 - $1 Million Net-Income Showdown—IRA, Annuity, Bank, Mutual Fund, IUL00:32:56 - Properly Structured IUL Delivers 70 K Tax-Free, Keeps 1.8 M Growing00:42:23 - Action Plan: Free Consult to Build Tax-Free Income Shield00:44:06 - Grab The Laser Fund Book Free—Master Tax-Free Compounding00:50:09 - Q&A: How to Smell “Gas Leaks” in Badly Built Policies00:53:04 - Top Takeaways: Balance Risk, Audit Policies, Secure 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

Flexible Loans Inside IUL: Borrow Smart, Stay Liquid (Episode 14)

Discover how the Three Dimensions of Authentic Wealth can protect your family and your business when life takes an unexpected turn. Doug Andrew and the team explore why the death benefit in a properly structured Indexed Universal Life (IUL) policy is not just a feature—it’s the foundation. Learn how IUL’s built-in safety net offers financial dignity when loved ones pass away unexpectedly, and how policy loans provide strategic liquidity without halting compound growth.This episode uncovers:- How IUL protects families and legacies in times of crisis- Why business owners use IULs for buy-sell and working capital- How IUL loans allow you to access money without penalties or taxesPeace of mind is more than a feeling—it’s a financial strategy.00:01:56 – Joe Biden Diagnosis Sparks Wealth Protection Talk00:02:27 – IUL’s Death Benefit: Most Overlooked Feature00:04:09 – Real Stories Where IUL Saved Families00:07:58 – How IUL Provides Peace During Illness00:10:36 – How Business Owners Use IUL for Growth00:17:08 – IUL Loans Explained: Why It Beats Withdrawals00:22:10 – The Truth About IUL Loan Flexibility00:28:00 – Crypto vs IUL: Which Is Safe for Retirement?00:35:09 – Why “93 Million” Shows Compound Interest Power00:40:44 – Final Advice: Plan, Protect, and Prosper with 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----------

Emotional Investing, Tax-deferred Traps, and Outdated Retirement Myths (Episode 13)

Discover how the Three Dimensions of Authentic Wealth—Foundational, Intellectual, and Financial—can help you build a secure retirement and lasting legacy. In this episode, Doug Andrew and his team reveal how emotional investing, tax-deferred traps, and outdated retirement myths can sabotage your future. Learn why most retirees aren't in lower tax brackets—and how market volatility, lost deductions, and Required Minimum Distributions (RMDs) can trigger surprise tax bills.Uncover the truth about precious metals and why they're often a fear-based distraction. Instead, explore how a properly structured, max-funded Indexed Universal Life (IUL) policy offers tax-free growth, access, and transfer—all while keeping you protected from market losses.Whether you’re saving for retirement or advising clients, this episode will help you:Understand the real tax burden of IRAs and 401(k)sAvoid emotional money mistakes fueled by the mediaEmbrace IULs and three-dimensional thinking for lasting peace of mind00:00:00 – How tariffs and headlines hijack your money00:07:24 – The 4 tax buckets every retiree must understand00:15:20 – Why tax-deferred plans destroy retirement value00:16:47 – Are you really going to be in a lower bracket?00:19:12 – The hidden tax time bomb of RMDs00:22:30 – The power of IULs for tax-free income00:24:20 – Are precious metals just fool’s gold?00:29:17 – Why gold won’t protect you from inflation00:34:51 – The financial pain of emotional investing00:41:00 – What authentic wealth means across generations----------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

Trump Tax Cuts, Truth About Fiduciaries, And Busting IUL Myths

Discover how smart tax policy, properly structured IULs, and financial independence can transform your future. In this episode of “93 Million,” you’ll learn how owning 54 life insurance policies makes perfect sense when you understand insurance capacity and tax-free growth. Doug Andrew and the team reveal why you should question fiduciaries, ignore outdated myths, and master strategies that actually work—backed by real results.Now that you're thinking beyond traditional investments, this episode reveals:- The untold benefits of max-funded IULs (and how the wealthy use them)- Why most fiduciaries aren’t looking out for your best interest- How to legally grow, protect, and pass on your wealth—tax-freeTake control of your retirement, reduce future taxes, and gain financial peace of mind.Timestamps:00:01:45 – Will the Trump Tax Cuts Save the Middle Class?00:09:41 – Why 54 Life Insurance Policies Actually Make Sense00:14:19 – What the Wealthy Know About IULs That You Don’t00:18:04 – The Dark Truth About Fiduciaries and Your Money00:28:06 – Debunking the Top 5 Attacks on IULs00:35:10 – Are You Falling for the IUL Fee Myth?00:40:01 – How Loans Can Make You Millions—Tax-Free00:47:01 – Vacations with a Purpose: Legacy Beyond the Beach00:50:55 – The #1 Reason You Shouldn’t Follow the Crowd---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

Tariffs, Social Security, And What It All Means For Your Retirement (Episode 11)

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, exposing why traditional retirement planning fails to address taxes, inflation, and long-term income needs.This episode reveals:- Why multipliers in Indexed Universal Life can deliver explosive growth- How Social Security’s collapse could derail your retirement plans- The shocking impact of taxes and fees on your IRR—and how to fix it- Smart saving strategies based on your age and income goalsWhether you're starting your journey or nearing retirement, learn how tax-free IUL strategies can give you freedom, flexibility, and peace of mind for the future.00:01:20 – Trump's tariffs: leverage or long-term policy shift?00:07:55 – Why most Americans are saving dangerously little00:14:37 – Social Security insolvency: what happens in 2035?00:20:00 – Are taxes and fees draining your retirement?00:31:08 – This IUL strategy turned $1.2M into $3M tax-free00:34:00 – Multipliers explained: the hidden growth weapon00:39:44 – One policy earned over 400% in five years----------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----------

Mastering Market Volatility: Will Your Money Survive? (Episode 10)

Discover how strategy can outperform panic in today's volatile market. In this episode of 93 Million with Doug Andrew, we break down how the 4% rule limits retirement income, why most investors underperform the market, and how IUL policies provide a better way.Doug and the team explain:- Why emotional investing is destroying your returns- How to use IULs to reset after market crashes- Why tax-free income beats traditional strategies every timeIf you're approaching retirement or simply want to protect what you've built, this episode reveals how a well-designed IUL policy can secure your financial future while others panic.00:00:00 – How Tariffs Trigger Investor Panic and Opportunity00:02:53 – The Real Reason the Market Drops So Fast00:04:00 – Why Most People Panic and Sell at the Bottom00:07:13 – Average Investors Underperform by 5.5%—Here’s Why00:10:20 – Strategy vs Emotion: What the Winners Do Differently00:13:53 – Understanding the 4% Rule and Its Flaws00:16:11 – How Much You Really Need for Retirement Income00:20:09 – The Sequence of Returns Can Wreck Your Nest Egg00:26:13 – Doug’s House of Bricks Strategy for Market Crashes00:30:17 – Picking the Right IUL Company Isn’t Enough----------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 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