93 Million with Doug Andrew

Stop Overpaying the IRS, Future Tax Laws, And Best Time Ever for IUL? (Episode 25)

Unlock the new 2021 L.A.S.E.R. fund advantage and future-proof your finances. Doug Andrew’s crew unpacks the three dimensions of Authentic Wealth, showing how a max-funded Indexed Universal Life (IUL) harnesses tax-free growth, a zero-percent floor, and Congress-proof grandfathering.Feel the relief of compounding without IRS erosion, lower internal costs, and smarter indexing that captures upside—never downturns.Now that you see the stakes, this episode reveals:- The 33 % fee cut hidden in 2021’s 7702 revision- How a policy audit grades your “bucket proficiency” in minutes- Why the average earner surrenders $575k to taxes—and how to avoid itWhether you want secure retirement income, tax diversification, or a dependable legacy, these insights show why the L.A.S.E.R. Fund framework can transform your future.Timestamps:00:00:00 - Introduction00:02:06 - Will Congress strip life-insurance perks?00:05:12 - 2021 rule slashes IUL fees 33 %—why timing matters now00:10:29 - Cash value equals death benefit in 10 years: see the math00:14:23 - Shocking lifetime tax bill00:20:24 - Tax-free compounding: why 40–60 % of income should vanish from 1040s00:24:34 - Case study: perfect vs. broken IUL—fees, growth, policy death spiral00:32:00 - Audit tool demo00:36:30 - Sleep-better wealth 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

Policy Loans Explained: Earn More Than You Borrow with IUL (Episode 24)

Balance your life and future finances with predictability. Doug Andrew’s 93 Million crew explores the need for control and how a max-funded Indexed Universal Life (IUL) delivers it. From locking in gains with a zero-percent floor to using 1035 exchanges that turbo-charge under-performing policies, this episode shows you how to turn chaos into calm.Uncover the zero-loss, tax-free growth strategy that shelters you from market crashes while compounding gains you never have to give back.Now that you can see the power of financial predictability, this episode reveals:- Why 1035 exchanges rescue cash-strapped whole-life and UL contracts- How positive loan arbitrage lets you earn while you borrow- The simple audit that guarantees you never outlive retirement incomeSeeking tax advantages, steady growth, or peace of mind? Learn how the Laser Fund framework transforms uncertainty into lasting abundance.----------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

Financial Literacy Crisis And Risky College Funding Plans (Episode 23)

Discover why half of Americans stumble on basic financial questions – and how you can avoid the same fate. Doug Andrew and his team dive into “funny math” to highlight the serious gaps in financial literacy. They then unveil how a max-funded Indexed Universal Life (IUL) policy can do what traditional plans can’t: provide tax-free, compound growth for both college savings and retirement. Learn why going beyond the ordinary 529 plan and leveraging an IUL’s unique features leads to greater flexibility and a richer outcome.Uncover how an IUL’s zero-percent floor (no market losses) and policy loan options let you fund education without ever sacrificing your nest egg’s growth. Hear real strategies for beating inflation, minimizing taxes, and building a legacy – all while protecting your loved ones and enjoying peace of mind.Now that you see what’s possible, this episode reveals:- Why financial literacy is lacking in America and the costly consequences of not understanding interest, inflation, and taxes- How a max-funded IUL can pay for college (tax-free!) and still accumulate wealth for your retirement – a strategy banks and 529 plans won’t tell you about- Insights from a 3-question money quiz most adults fail, and what the correct answers mean for your financial futureWhether you’re a high-income earner, a business owner, or just starting your financial journey, these insights will help you outpace inflation, eliminate unnecessary taxes, and create authentic wealth that stands the test of time.00:00:00 – The 93 Million Promise: Triple‑Shield Wealth Hack00:01:27 – Could 14 × 5 Actually Equal 25?00:02:14 – Are You in the 50% Failing Finance?00:03:08 – Why Schools Hide the Money Rulebook00:09:50 – Parents’ Secret to Million‑Dollar Math00:10:16 – IUL vs 529: Which Funds College Free?00:15:40 – Pay Tuition Without Touching Savings00:19:10 – Borrow at 5%, Earn at 8%—Legally00:23:50 – Is a Degree Still Worth the Price Tag?00:29:48 – Can You Ace the 3‑Question Money Test?00:35:10 – Inflation’s Silent Tax on Your Wallet00:37:40 – The Single‑Stock Gamble Investors Regret00:40:30 – Your Next Move Toward Tax‑Free 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----------

The Big Beautiful Bill Debate: Bullish Growth or 12 % Correction? (Episode 22)

Wondering how the “Big Beautiful Bill” will really impact your portfolio? In this episode of 93 Million, Doug Andrew and team dissect bullish and bearish S&P 500 forecasts, then prove why an equity‑indexed, max‑funded IUL can thrive no matter what. Learn how the zero‑is‑a‑hero floor protected clients from 2022’s 20 % drop and delivered a 61 % tax‑free rebound the very next year. Doug’s “Three Fishermen” riddle exposes common accounting blind spots that drain retirement wealth. Discover strategies to convert volatile, taxable accounts into predictable, tax‑free cash flow, build emergency reserves, and avoid get‑rich‑quick pitfalls. Perfect for investors and advisors seeking growth, safety, and stress‑free nights.Now that you understand bullish vs. bearish noise, this episode reveals:- How indexing locks gains and never participates in losses- Proven 7‑8 % average returns you can actually keep- Simple steps to convert taxable IRAs into tax‑free wealthWhether you crave predictable retirement income, crash‑proof compounding, or a blueprint clients can trust, these insights show how a L.A.S.E.R. Fund framework secures your future.00:00:00 – Big Beautiful Bill passes: what it means for investors now00:01:34 – Bullish vs bearish S&P 500 forecasts—who should you trust?00:04:05 – Zero‑is‑a‑Hero: indexing shields your principal from crashes00:07:35 – 2022 crash case study: 0 % loss, 61 % rebound tax‑free00:11:12 – Why market recoveries are the only predictable moments00:16:15 – Free Laser Financial consultation: turning theory into action00:17:41 – Three Fishermen riddle exposes costly accounting blind spots00:22:21 – Nearsighted tax advice: the hidden danger of deferral00:27:03 – Lost money online? Three questions wealthy investors ask first00:32:15 – Create predictability, learn from the past—your 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

The Big Beautiful Tax Bill, Financial Independence, And Annuities (Episode 21)

Explore how permanent Trump tax cuts can impact your retirement and tax strategy. Doug Andrew and the 93 Million team analyze how predictable tax policy can fuel economic growth, reduce volatility, and affect tools like Indexed Universal Life (IUL) and annuities. Learn the power of strategic IRA rollouts and why following the herd may be your biggest financial mistake. Hear how a properly structured IUL delivers tax-free income and security in uncertain times.Then, uncover legacy wisdom from Grandpa’s Camp—a family tradition that teaches responsibility, leadership, and values for the rising generation.In this episode:- Why predictable tax policy stimulates markets and protects retirements- How to convert IRAs and 401(k)s for tax-free growth using IUL- When to use annuities for guaranteed income and peace of mind- Building a legacy through intentional family traditionsTimestamps:00:01:09 – Trump Tax Cuts Made Permanent: What You Need to Know00:03:00 – How Tax Bracket Increases Could Hurt Middle Class00:04:20 – Why Predictability Is the Market's Superpower00:05:17 – $18 Trillion in Cash: Will It Return to Markets?00:06:51 – Are the CBO Projections About GDP Wrong Again?00:08:28 – Raise Tax Revenue Without Raising Taxes00:09:22 – The Herd Mentality That’s Destroying Retirements00:12:04 – Strategic IRA Rollouts Explained for Lower Taxes00:14:14 – How to Escape the 401(k) Trap Now00:18:08 – Why No One Wants to Touch Entitlements00:20:00 – What Most People Don't Know About Annuities00:25:00 – When Annuities Actually Make Sense00:30:00 – Doug’s L.A.S.E.R. Test: IUL vs Annuity00:33:24 – Grandpa’s Camp: Teaching Legacy and Leadership00:38:52 – How Grandparents Can Inspire Real Transformation----------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

National Debt Crisis And Tax Diversification Secrets (Episode 20)

Discover how tax diversification balances your retirement and fortifies your finances. Doug Andrew’s team exposes the hidden pitfalls of IRAs and 401k plans, then unveils the power of a max-funded Indexed Universal Life (IUL). Learn why shifting from tax-deferred “clubs” to tax-free “swing” strategies unlocks abundant, risk-protected growth.Uncover how IUL’s zero-percent floor and smarter indexing shield your wealth from market drops and looming tax hikes. Reveal the joy of keeping more, passing more, and building a legacy immune to government debt.Now that you see the cost of tax traps, this episode reveals:- The true strings attached to qualified accounts and RMD penalties- How an IUL delivers lifelong, tax-free income and legacy benefits- Real savings stories—six-figure tax cuts achieved in five yearsWhether you fear rising rates or crave peace of mind, these insights show how the Laser Fund framework can transform your future.00:00:00 – Meet the experts exposing retirement account tax traps and hidden fees00:02:21 – Qualified account “benefits” unravelled: penalties, limits, government control explained00:07:21 – Shocking math: national debt could DOUBLE your income tax rate00:14:47 – How IUL turns market gains into tax-free, loss-proof growth00:16:29 – Wisdom Table: Is your entire portfolio bleeding future taxes?00:18:50 – Cut lifetime tax bills 40 % with proactive rollouts and conversions00:24:02 – Case study saves $31K yearly—no freakin’ tax in tax-free00:27:18 – Next steps: free consultation and IUL Challenge invitation----------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----------

Eliminate Debt Fast and Build Tax‑Free Retirement Wealth (Episode 19)

Discover how crushing debt and looming tax hikes could threaten your wealth – and learn the strategies to fight back. Doug Andrew and his team expose the pitfalls of traditional pay-off-your-house advice and unveil a smarter path to debt-free living that preserves your liquidity and sanity. Explore why America’s $37 trillion debt and government overspending signal higher future taxes (and what you can do now to protect yourself), and see proven ways to build a tax-free retirement using the L.A.S.E.R. Fund approach. They dive into the power of a max-funded Indexed Universal Life (IUL) policy, showing how it delivers growth like the market without the risk, and how it can generate tax-free income that outlasts even a 30-year retirement. Uncover how an IUL’s zero-percent floor shields you from market crashes while still letting you profit from the upside. Hear real numbers on turning modest savings into millions by eliminating losses and taxes – and why going tax-free beats traditional 401(k)s and IRAs every time. By the end, you’ll understand how to escape the debt cycle, safeguard your nest egg from Uncle Sam, and create real wealth that outlasts any crisis. Now that you see what’s at stake and how the right strategy can change everything, this episode reveals:- The quickest, smartest way to get out of debt – without risking your home or your savings – and why liquidity is the key to peace of mind.- How a max-funded IUL (Laser Fund) outperforms your 401(k) – delivering tax-free compounding, downside protection, and 2–3 times more spendable retirement income so you never outlive your money.- Why America’s debt bomb means higher taxes ahead – and the urgent moves savvy investors (even young ones) are making to lock in tax-free growth and protect their family’s future.Whether you’re worried about rising tax brackets, the next market crash, or being “house-rich but cash-poor” in retirement, these insights show how the L.A.S.E.R. Fund framework can fortify your finances and set you up for an abundant future – debt-free and tax-free.00:01:37 – Debt Stress and the Urgent Need for Financial Relief00:07:01 – Pay Off Mortgage or Invest? Smart Debt Strategy Revealed00:11:24 – Small Savings, Big Results: $500/Month to $2 Million Example00:20:07 – Trillion-Dollar Debt Crisis: Why U.S. Overspending Threatens You00:24:20 – Looming Tax Hikes – Young Investors Embrace Tax-Free Strategies00:29:15 – Tax-Free vs. Tax-Deferred – Which Retirement Plan Lasts Longer?00:35:50 – Never Outlive Your Money: Maximizing Retirement with IUL00:39:32 – Action Plan: Avoid Debt Pitfalls and Embrace Tax-Free 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

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----------