93 Million with Doug Andrew

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

Why IUL Beats Whole Life And Market Volatility (Episode 8)

Discover how market volatility and emotional investing can quietly sabotage your retirement—and what to do about it. In this episode of “93 Million with Doug Andrew,” Doug and his team break down why Indexed Universal Life (IUL) outperforms traditional options like Whole Life and 401(k)s when it comes to protecting and growing wealth.You’ll learn how IUL’s zero-percent floor and tax-free income structure keep your savings safe—even in a downturn. This episode is packed with insights to help you avoid emotional money decisions and instead focus on strategic asset protection using the L.A.S.E.R. Fund framework.This episode reveals:- Why emotional investing leads to major financial losses- How IUL offers tax-free retirement income and compound growth- Why IUL beats Whole Life in cost-efficiency and performance- The hidden dangers in banks, 401(k)s, and “safe” investmentsGain peace of mind, smart strategies, and lasting financial freedom—all with Doug Andrew’s proven tools.00:01:20 – How 3 Days in 2020 Shook the Stock Market00:03:07 – Why Emotion Destroys Logic in Investing00:04:47 – Global Events and the Ripple Effect on Markets00:06:36 – Using Life Insurance as a Living Financial Asset00:08:53 – How the IRS Legally Allows Tax-Free Growth00:10:05 – IUL: Designed for Income, Not Just Death Benefit00:14:40 – Why Indexed Universal Life Beats Market Volatility00:16:46 – Whole Life vs IUL: Which Builds More Wealth?00:22:00 – Internal Rate of Return: The Real Cost Comparison00:27:00 – The Shocking Truth About Where Americans Store Wealth00:31:13 – Feeling Lost Financially? Here’s What to Do----------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

Episode 7: Combat Inflation With These Wealth Protection Strategies

Explore how to outpace inflation, reduce risk, and grow tax-free income with the power of Indexed Universal Life (IUL). Doug Andrew and the 93 Million team break down the real threats of inflation and market volatility—and how smart strategies, not guesswork, lead to long-term financial peace of mind.Discover how income arbitrage, policy loans, and the miracle of compound interest let your money work in two places at once. Learn why predictability, not speculation, is the key to financial independence.Now that you understand the power of properly structured IULs, this episode reveals:- Why inflation is the silent eroder of wealth—and how to stop it- How indexing strategies with a 0% floor create true financial predictability- The truth about tax-free loans inside IULs and how they unlock abundance- Real client stories showing 8.5% payouts and millions preserved in retirementIf you're building wealth, planning for retirement, or protecting your legacy, this episode is your blueprint for a tax-free future.00:00:00 – What Is Indexed Universal Life and Why It Matters00:03:02 – Advice on Managing Inflation Wisely00:04:06 – Is Giving Taxpayer Money Back a Good Idea?00:06:54 – Inflation Explained: What It Means for Your Savings00:08:00 – Outpacing Inflation with Smart Financial Strategy00:10:26 – What to Do During High Inflation Periods00:12:33 – How Indexing With IUL Helps You Beat Inflation00:17:07 – Why IUL Is a Powerful Tax-Free Retirement Tool00:19:52 – Understanding Risk vs Return with IUL00:29:04 – Income Arbitrage: Earning on Loans Within IUL00:35:01 – How IUL Creates a True Hedge Against Inflation00:40:25 – Doug’s Airplane Fuel Story: The Financial Analogy00:46:10 – The #1 Retirement Fear00:47:13 – Predictability, Inflation, and Legacy----------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

Episode 6: Authentic Wealth Success: Why Strategy Beats Products Every Time

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, blending Foundational, Intellectual, and Financial assets with the power of a max-funded Indexed Universal Life (IUL). Learn why going beyond products (the clubs) and focusing on strategies (the swing) leads to abundant, tax-free retirement outcomes.Uncover how IUL’s zero-percent floor and smarter indexing preserve what you’ve built from market downturns. Discover the joy of building your legacy, protecting your loved ones, and creating real wealth that outlasts any crisis.Now that you see the benefits of a diversified approach and a balanced life plan, this episode reveals:- The Three Dimensions of Authentic Wealth and why money alone isn’t enough- How a max-funded IUL delivers tax-free income and protects you from market drops- Real stories proving you can stay secure regardless of economic uncertaintyWhether you’re seeking tax advantages, compound growth, or peace of mind for your family, these insights show how the L.A.S.E.R. Fund framework can transform your future.00:00:00 – Introduction to the Three Dimensions of Authentic Wealth00:01:43 – Foundational vs. Financial: Achieving True Balance00:03:30 – Intellectual Assets and Why Knowledge Empowers Your Money00:07:15 – Financial Dimension: Safe, Liquid, Tax-Free Strategies00:13:02 – Overcoming Advisor Fears and Gaining Real Financial Confidence00:18:09 – Embracing Indexing: Zero Floors and Steady Gains00:23:45 – Swing vs. Clubs: Strategy Over Products for Authentic Wealth00:30:11 – Diversification, Annual Reviews, and Protecting Your Legacy00:35:50 – Takeaways: Building a Robust Future with a Max-Funded 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