93 Million with Doug Andrew

3 Dimensional Wealth
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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. 5d ago

    9 Ways to Use Indexed Universal Life Insurance (Episode 86)

    What if you could access money for a car, real estate, or your business without automatically cashing out the asset backing your loan? Doug Andrew and the 93 Million team explain how indexed universal life (IUL) cash value and policy loans may provide financial flexibility. Discover how these strategies can apply to retirement, mortgage planning, education, business capital, and building a family legacy. Educational content only. Results vary. Policy loans accrue interest, and fees, underfunding, or policy lapses may create financial and tax consequences. 00:00:10 - IUL Beyond Retirement 00:01:41 - Tax Benefits Explained 00:03:18 - Mortgage Payoff Alternative 00:04:57 - College Savings Flexibility 00:06:33 - Pensions and Legacy 00:08:28 - Compounding Before Spending 00:10:01 - Understanding Policy Loans 00:12:37 - Fees and Cash Value 00:14:07 - Real Estate Funding 00:17:01 - Getting Personalized Guidance 00:19:07 - Is Anyone Too Old? 00:22:02 - Learning IUL Correctly 00:24:25 - Doug's Final Advice --- 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. Oct 22

    Pay Taxes Now or Later? The Retirement Tax Trap

    ---------- 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 ---------- Discover why a million-dollar 401(k) isn't necessarily a million dollars you can spend. Doug Andrew and the 93 Million team unpack paying taxes now versus later, required minimum distributions (RMDs), and how withdrawal taxes can affect your retirement income. Explore how tax diversification and properly structured Indexed Universal Life (IUL), including the LASER Fund approach, may create financial flexibility. Learn how business owners can use key person insurance for protection, liquidity, and executive retention. Now that you understand the importance of planning for spendable income, this episode reveals: - Why traditional IRA and 401(k) withdrawals can create unexpected tax bills - How a $75,000 after-tax income goal can require larger withdrawals - What key person insurance can do for business continuity - How IUL policy loans and executive bonus strategies may support business planning Whether you're preparing for retirement or protecting a growing business, discover practical questions to ask about tax timing, liquidity, and long-term financial security. Timestamps: 00:00:00 - Pay Taxes Now or Later? 00:03:50 - Taxation: Seed vs. Harvest 00:05:42 - Your IRA's Hidden Tax Liability 00:07:37 - Retirement Withdrawal Tax Math 00:10:11 - The Retirement Tax Bracket Myth 00:13:09 - Tax-Free Retirement Income Strategies 00:23:23 - Key Person Insurance Explained 00:24:33 - IUL for Business Working Capital 00:26:20 - Executive Policy Transfers and Taxes 00:30:27 - Business Rich, Cash Poor

  3. Oct 15

    Why The Wealthy Own Many Life Insurance Policies (Episode 84)

    Discover why wealthy individuals may use life insurance for much more than a death benefit. Doug Andrew and the team explore reports that Paul Atkins holds 54 life insurance policies and discuss what this reveals about cash value, capital access, and wealth transfer. In this episode, you’ll discover: - Why affluent families may use permanent life insurance as a capital base - How IUL indexing differs from investing directly in the stock market - What insurance capacity means when owning multiple policies - Why advisor experience and policy design deserve close attention - What to expect when meeting with Laser Financial from another state Whether you’re exploring retirement income strategies or planning your family’s legacy, this conversation offers a closer look at the LASER Fund approach and the importance of choosing experienced guidance. Timestamps: 00:00:00 — Why 54 Life Insurance Policies? 00:05:11 — Life Insurance as Capital 00:09:04 — Term vs Permanent Life Insurance 00:12:37 — How Indexed Universal Life Works 00:13:38 — Understanding Your Insurance Capacity 00:17:40 — Setting Up IUL Remotely 00:20:54 — Choosing an Experienced IUL Specialist 00:24:17 — Why Expertise Beats Proximity ---------- 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 ----------

  4. Oct 8

    How IUL Indexing Balances Risk, Growth and Tax-Free Income (Episode 83)

    Discover how the risk-versus-return paradigm changes when you stop looking only at individual investments and start thinking strategically. Doug Andrew and the 93 Million team rank everything from day trading, options, and cryptocurrency to real estate, bonds, savings accounts, and U.S. Treasuries before explaining where Indexed Universal Life fits into the conversation. This episode reveals: - Why day trading, options, crypto, and real estate carry different risks. - How IUL indexing combines protection with growth potential. - Why indexing itself doesn't create tax-free income. - How a max-funded IUL is structured for cash accumulation. - What IUL fees actually look like over the policy's lifetime. - How policy loans can create greater liquidity and financial flexibility. - Why inflation and lost opportunity can be risks too. Whether you're concerned about market crashes, retirement taxes, liquidity, or creating predictable retirement income, this episode shows how the L.A.S.E.R. Fund framework approaches risk, growth, and tax-efficient wealth together. Timestamps: 00:00:11 — Risk vs. Return Explained 00:01:12 — Investment Risk Rankings 00:12:40 — How IUL Indexing Works 00:20:35 — Hidden Risks Beyond Losses 00:24:36 — Indexing and Tax-Free Income 00:27:52 — IUL Fees and Structure 00:31:44 — Tax-Free Access and Liquidity ---------- 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. Oct 1

    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 ----------

  6. 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 ----------

  7. 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 ----------

  8. 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 ----------

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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...

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  • Creator
    3 Dimensional Wealth
  • Years Active
    2025 - 2026
  • Episodes
    85
  • Rating
    Clean
  • Copyright
    © Copyright 2025 All rights reserved.
  • Show Website
    93 Million with Doug Andrew

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