93 Million with Doug Andrew

How to Build Lasting Family Wealth Beyond Money (Episode 58)

Discover how the Three Dimensions of Wealth can transform the way you think about family, money, and legacy. Doug Andrew unpacks the difference between financial, foundational, and intellectual assets, showing why authentic wealth is about more than net worth. Uncover why equal opportunity matters more than equal distribution, how the Vanderbilt and Rothschild stories reveal the truth about inheritance, and why family vacations with a purpose can strengthen values, communication, and long-term vision.Whether you want stronger family governance, smarter wealth transfer, or a plan to avoid entitlement, this episode offers a practical framework for building authentic wealth that lasts.Timestamps:00:00:00 - Special Q&A00:01:13 - Three Dimensions of Wealth00:05:26 - How to destroy health, faith, and family relationships00:07:01 - Shaping smarter wealth planning00:10:26 - The system behind generational wealth survival00:15:39 - The 4 Ps of Legacy00:19:41 - Family Banking00:27:52 - The entitlement trap00:37:29 - Grandpa’s Camp explained00:44:02 - Why money matters in a legacy plan----------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----------

IUL Myths Debunked: Dave Ramsey, Fees, and Cash Value (Episode 57)

----------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 whether Dave Ramsey is wrong about Indexed Universal Life and why the real issue may be policy structure, not the IUL itself. Doug Andrew and the 93 Million team break down how a max-funded Laser Fund style IUL can build tax-free cash value, reduce net amount at risk over time, and create flexible retirement income while protecting against market downturns.You’ll also get a breakdown of Nationwide’s new Accumulator 3, plus the warning signs that an IUL may be poorly designed, underfunded, or built more for commissions than cash accumulation.This episode reveals:- Dave Ramsey’s criticism about IUL- How max-funded IUL design can lower effective insurance drag over time- What TEFRA, DEFRA, and TAMRA mean for funding and tax treatment- Why uncapped S&P and NASDAQ strategies matter after market crashes- The biggest red flags to watch for in an IUL policy auditWhether you’re exploring tax-free retirement income, downside protection, or smarter cash value growth, this episode explains how IUL structure, product choice, and timing strategy can completely change your results.Timestamps:00:00:00 - Introduction00:01:32 - Is Dave Ramsey Wrong?00:05:00 - Bad IUL Advice Consequences00:08:04 - Funding an IUL correctly00:13:35 - Tax-free retirement income00:15:07 - IUL Warning Signs00:21:32 - Free IUL help00:22:39 - Nationwide Accumulator 3 Review00:35:09 - The no-cap strategy after a market crash explained00:40:27 8- 00 clients, the COVID crash, and 61% growth----------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 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----------