93 Million with Doug Andrew

3 Dimensional Wealth
  • 5.0 (5)
  • Investing
  • Updated Weekly

There’s a dangerous financial myth that’s quietly costing everyday Americans thousands, possibly millions, over their lifetimes—a myth that’s persisted for d...

  1. 4d ago

    Can IUL Outpace Inflation? How Indexing Really Works (Episode 82)

    Discover how Indexed Universal Life (IUL) can help address inflation, rising interest rates, market volatility, and retirement taxes. Doug Andrew and his team explain how indexing, zero-percent floors, caps, spreads, and policy loans work inside a properly structured max-funded IUL. This episode reveals: - How IUL indexing can protect against negative market years - Why higher interest rates can improve indexing opportunities - Why retirement planning should focus on spendable income - How policy loans can preserve uninterrupted compounding - How IUL can help create more predictable retirement income If you’re concerned about inflation, market crashes, taxes, or generating dependable retirement income, this episode breaks down how the L.A.S.E.R. Fund approach uses IUL to pursue greater protection, control, and tax-advantaged income. Timestamps: 00:00:22 Interest Rates and Inflation 00:03:00 High-Rate Borrowing Strategy 00:06:24 Retirement Withdrawal Planning 00:09:01 Tax-Free Retirement Income 00:13:46 How IUL Indexing Works 00:16:21 Rates Improve IUL Potential 00:18:30 Historical Indexing Returns 00:19:59 Predictability in Retirement 00:21:42 IUL Policy Loans 00:24:26 How Indexing Gets Funded ---------- Ready to speak with a Specialist? Book a free Quick Consult here: https://3dimensionalwealth.com/getstarted Want to Learn More? Register For An Upcoming Event: https://3dimensionalwealth.com/events Claim Your Free Copy of The L.A.S.E.R. Fund Book Go to: https://www.laserfund.com Are you an advisor interested in what we teach? Go to: www.iulinsiderpro.com ----------

  2. Sep 24

    Will the Next Market Crash Destroy Your Retirement? (Episode 81)

    Discover why a stock market crash doesn't have to derail your retirement strategy. Doug Andrew and the 93 Million team explore how a properly structured Indexed Universal Life (IUL) policy uses a zero-percent floor to protect against negative index performance while creating the potential to participate when markets rebound. The conversation also goes beyond retirement planning as Doug shares his philosophy for building successful, purpose-driven businesses. Now that you understand why protecting your financial baseline matters, this episode reveals: - How the IUL 0% floor changes the mathematics of market crashes - Why major market rebounds can create unique indexing opportunities - Real IUL examples following the 2020 market crash - Why panic selling can lock in losses and eliminate the rebound - How purpose-first businesses move from commodities to transformation - Why customer feedback, core values, and experience drive growth Whether you're focused on protecting retirement wealth or growing a small business, this episode explores how the L.A.S.E.R. Fund philosophy connects protection, opportunity, purpose, and long-term wealth. Timestamps: 00:01:32 — Can Market Crashes Help? 00:03:31 — The Math of Losses 00:05:19 — Lessons From 2008 00:07:36 — Capturing Market Rebounds 00:10:14 — Aggressive IUL Indexing 00:11:36 — Real IUL Case Studies 00:14:12 — Avoiding Emotional Investing 00:15:59 — Proper IUL Structure 00:19:30 — Small Business Advice 00:20:22 — Purpose Before Profit 00:21:49 — Creating Customer Transformation 00:22:44 — Listening to Customers 00:23:55 — Core Values Drive Growth ---------- Ready to speak with a Specialist? Book a free Quick Consult here: https://3dimensionalwealth.com/getstarted Want to Learn More? Register For An Upcoming Event: https://3dimensionalwealth.com/events Claim Your Free Copy of The L.A.S.E.R. Fund Book Go to: https://www.laserfund.com Are you an advisor interested in what we teach? Go to: www.iulinsiderpro.com ----------

  3. Sep 17

    How to Build More Predictable Tax-Free Retirement Income (Episode 80)

    Is your 401(k) balance really the amount you'll have available in retirement? Doug Andrew and the 93 Million team break down the IRA and 401(k) dilemma, comparing traditional tax-deferred accounts, Roth IRAs, and tax-free retirement strategies. Learn why future tax rates, lost deductions, market volatility, and retirement withdrawals can dramatically change how much of your savings you actually spend. The team walks through examples comparing a $2.8 million tax-deferred account with tax-free income strategies and explains why retirement planning should focus on usable income. Discover tax diversification, the difference between paying taxes now versus later, and how a properly structured max-funded IUL is positioned by the panel as another option for creating more predictable retirement income. Timestamps: 00:01:11 — IRA 401(k) Dilemma 00:03:04 — Retirement Tax Assumptions 00:04:33 — IRA vs Roth 00:07:41 — Tax Diversification 00:08:27 — Future Tax Risk 00:10:33 — Lost Retirement Deductions 00:15:34 — Income Comparison 00:18:53 — Market Volatility Risk 00:20:44 — Balance vs Income 00:22:06 — Pay Taxes Now ---------- Ready to speak with a Specialist? Book a free Quick Consult here: https://3dimensionalwealth.com/start Want to Learn More? Register For An Upcoming Event: https://3dimensionalwealth.com/events Claim Your Free Copy of The L.A.S.E.R. Fund Book Go to: https://www.laserfund.com Are you an advisor interested in what we teach? Go to: www.iulinsiderpro.com ----------

  4. Sep 10

    Why Market Crashes Can Create Opportunity With IUL Indexing (Episode 79)

    Discover how to create greater predictability when markets feel anything but predictable. Doug Andrew and the 93 Million team examine recession forecasts, stock market uncertainty, and why trying to accurately predict the next market crash can leave investors stressed and vulnerable. Learn how a properly structured, max-funded Indexed Universal Life (IUL) uses indexing strategies, zero-percent floors, caps, spreads, locked-in gains, and market resets to pursue growth while protecting against negative index years. The panel also explains why major market recoveries can create unique opportunities when you're positioned before the rebound. This episode reveals: - Why predicting the next stock market crash may be the wrong strategy. - How IUL indexing uses zero floors, caps, spreads, and locked-in gains. - Why market recoveries can create opportunities after major downturns. - How the Three Dimensions of Wealth redefine your most valuable assets. - Why traditional inheritance planning can unintentionally divide families. - How the CASH framework transfers knowledge, attitudes, skills, and habits. - How a family bank can create responsibility instead of entitlement. - Why giving your children a hand up can be better than a handout. Whether you're focused on tax-free retirement income, protecting wealth from market volatility, or creating a stronger generational legacy, this episode shows how to build greater financial predictability while taking your family from “me” to “we.” Timestamps: 00:01:16 — Market Uncertainty 00:07:55 — Preparing for Crashes 00:11:52 — IUL Indexing Explained 00:15:52 — Locked-In Gains 00:20:29 — Market Crash Recovery 00:26:53 — Authentic Wealth 00:29:18 — CASH Framework 00:31:25 — Family Bank 00:34:37 — Generational Wealth ---------- Ready to speak with a Specialist? Book a free Quick Consult here: https://3dimensionalwealth.com/getstarted Want to Learn More? Register For An Upcoming Event: https://3dimensionalwealth.com/events Claim Your Free Copy of The L.A.S.E.R. Fund Book Go to: https://www.laserfund.com Are you an advisor interested in what we teach? Go to: www.iulinsiderpro.com ----------

  5. Sep 2

    Why Retirement Income Matters More Than Your Nest Egg (Episode 78)

    Discover why retirement security is less about building the biggest nest egg and more about creating reliable, spendable income. Doug Andrew explains how inflation, taxes, withdrawal rates, and market volatility can affect the income your assets actually produce. He also compares the traditional 4% rule with a properly structured, max-funded Indexed Universal Life policy, covering: • How inflation and taxes can increase the income you need • Why the 4% rule may require more savings than expected • How IULs can provide tax-advantaged retirement income • How the zero-percent floor and annual resets can help during market downturns • How policy loans can support income without interrupting compounding • How to access an existing LASER Fund while living overseas Whether you’re preparing for retirement, concerned about running out of money, or rethinking your current strategy, this episode offers a practical approach to income, protection, liquidity, and long-term flexibility. Timestamps: 00:01:03 — Nest Egg vs Income 00:02:50 — Retirement Income Formula 00:06:13 — IUL Income Comparison 00:08:51 — Policy Loans and Compounding 00:09:29 — Zero-Percent Floor 00:10:42 — Retirement Market Crash Risk 00:15:56 — IUL Access Overseas 00:17:17 — Set Up Before Moving ---------- Ready to speak with a Specialist? Book a free Quick Consult here: https://3dimensionalwealth.com/getstarted Want to Learn More? Register For An Upcoming Event: https://3dimensionalwealth.com/events Claim Your Free Copy of The L.A.S.E.R. Fund Book Go to: https://www.laserfund.com Are you an advisor interested in what we teach? Go to: www.iulinsiderpro.com ----------

  6. Aug 27

    How to Roll Out Your 401(k) Before Taxes Go Higher (Episode 77)

    Discover how a strategic rollout can help protect your retirement from the IRA and 401(k) tax trap. Doug Andrew and the 93 Million team explain why simply rolling retirement money from one tax-deferred account to another may postpone rather than solve your tax problem—and how strategically paying taxes while rates are favorable could create greater control over your retirement income. This episode reveals: - How a strategic rollout differs from a traditional IRA rollover. - How to identify unused room inside your current tax brackets. - Why RMDs can make a growing IRA tax problem harder to control. - How an $800,000 IRA could be strategically rolled out over several years. - Why the team pairs strategic rollouts with properly structured IULs. - How national debt, Medicare, and Social Security could pressure future taxes. Whether you're approaching retirement or already have substantial IRA and 401(k) savings, these strategies can help you rethink when you pay taxes and how you build tax-free retirement income. Timestamps: 00:01:10 — The 401(k) Tax Trap 00:02:19 — What Is Strategic Rollout? 00:05:02 — Using Tax Bracket Room 00:11:01 — Strategic Rollout Software 00:12:45 — $800K IRA Example 00:15:28 — Pairing Rollouts With IUL 00:18:39 — Pay Taxes Now? 00:23:18 — Will Future Taxes Rise? ---------- Ready to speak with a Specialist? Book a free Quick Consult here: https://3dimensionalwealth.com/getstarted Want to Learn More? Register For An Upcoming Event: https://3dimensionalwealth.com/events Claim Your Free Copy of The L.A.S.E.R. Fund Book Go to: https://www.laserfund.com Are you an advisor interested in what we teach? Go to: www.iulinsiderpro.com ----------

  7. Aug 20

    Avoid Market Losses and Hidden Policy Costs (Episode 76)

    Discover how the loss-gain relationship can reshape the way you think about stock market risk, retirement taxes, and Indexed Universal Life (IUL). Doug Andrew and the team explain why equal percentage gains and losses do not cancel out, and why protecting against losses can matter as much as chasing returns. This episode reveals: - Why a 50% loss requires a 100% gain to recover. - How taxes create a similar loss-gain problem. - How IUL fees and insurance costs affect long-term value. - When policy adjustments or a 1035 exchange may help. Learn how smarter policy structure can protect more wealth. Timestamps: 00:00:03 — Building Authentic Wealth 00:01:20 — Understanding Loss-Gain Math 00:09:07 — Market Crash Recovery Math 00:12:07 — Retirement Taxes and Losses 00:16:41 — Why Audit Your IUL 00:18:04 — IUL Policy Audit Example 00:20:45 — Proper IUL Structure Matters 00:26:55 — Fixing a Bad IUL ---------- Ready to speak with a Specialist? Book a free Quick Consult here: https://3dimensionalwealth.com/getstarted Want to Learn More? Register For An Upcoming Event: https://3dimensionalwealth.com/events Claim Your Free Copy of The L.A.S.E.R. Fund Book Go to: https://www.laserfund.com Are you an advisor interested in what we teach? Go to: www.iulinsiderpro.com ----------

  8. Aug 13

    401K and IRA Truth: Tax Traps, Market Risk and IUL (Episode 75)

    93 Million with Doug Andrew

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About

There’s a dangerous financial myth that’s quietly costing everyday Americans thousands, possibly millions, over their lifetimes—a myth that’s persisted for d...

Information

  • Creator
    3 Dimensional Wealth
  • Years Active
    2025 - 2026
  • Episodes
    81
  • Rating
    Clean
  • Copyright
    © Copyright 2025 All rights reserved.
  • Show Website
    93 Million with Doug Andrew

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