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. 2D AGO

    How Does The Iran Conflict Affects The Stock Market? (Episode 59)

    Discover how market volatility, tax diversification, and indexed universal life (IUL) can reshape the way you think about retirement. Doug Andrew and the 93 Million team unpack how geopolitical conflict, oil prices, and emotional stock market swings impact investors, while showing why tax-free strategies may offer more control, flexibility, and peace of mind than traditional retirement accounts. This episode reveals: - Why war headlines, oil spikes, and volatility do not always mean long-term market losses. - How tax diversification and IUL strategies are designed to create more predictable retirement income. - The key differences between traditional IRAs, Roth accounts, and max-funded IUL. - A real numerical example showing tax-free income, downside protection, and legacy growth. Whether you’re trying to reduce retirement taxes, protect savings from market downturns, or build a more flexible tax-free income strategy, this episode gives you the language, mindset, and examples to think differently about wealth. Timestamps: 00:00:00 - Introduction 00:01:37 - Oil price spikes and why stocks may still recover 00:04:47 - Why war uncertainty can still boost markets long term 00:05:28 - The predictability principle for volatile markets and retirement planning 00:07:20 - Strategic IRA rollouts 00:08:45 - How internet-driven fear makes modern markets swing faster 00:13:54 - Is tax-free better than traditional IRAs and 401(k)s? 00:15:35 - Why more Americans are embracing Roth and tax diversification 00:21:18 - Real IUL example 00:25:00 - Roth vs IUL 00:31:50 - Final takeaway ---------- 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 ----------

    33 min

  2. MAR 26

    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&A 00:01:13 - Three Dimensions of Wealth 00:05:26 - How to destroy health, faith, and family relationships 00:07:01 - Shaping smarter wealth planning 00:10:26 - The system behind generational wealth survival 00:15:39 - The 4 Ps of Legacy 00:19:41 - Family Banking 00:27:52 - The entitlement trap 00:37:29 - Grandpa’s Camp explained 00:44:02 - Why money matters in a legacy plan ---------- 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 ----------

    52 min

  3. MAR 19

    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/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 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 audit Whether 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 - Introduction 00:01:32 - Is Dave Ramsey Wrong? 00:05:00 - Bad IUL Advice Consequences 00:08:04 - Funding an IUL correctly 00:13:35 - Tax-free retirement income 00:15:07 - IUL Warning Signs 00:21:32 - Free IUL help 00:22:39 - Nationwide Accumulator 3 Review 00:35:09 - The no-cap strategy after a market crash explained 00:40:27 8- 00 clients, the COVID crash, and 61% growth ---------- Ready to speak with a Specialist? Book a free Quick Consult here: https://3dimensionalwealth.com/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 ----------

    43 min

  4. MAR 12

    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/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 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 plans Whether 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 Strategy 00:02:13 — Working Capital 00:04:03 — Real Estate 00:05:13 — Loan Arbitrage 00:06:36 — Business Funding 00:15:01 — Retirement Loans 00:17:31 — Be Your Own Banker 00:20:40 — IUL Indexing 00:24:02 — Zero Floor 00:27:15 — Uncapped Growth 00:31:14 — Serious Cash 00:35:21 — Sequence Risk ---------- 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 ----------

    38 min

  5. MAR 4

    Why Retirees Get SHOCKED by Higher Taxes (Episode 55)

    ---------- 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 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 make Whether 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 taxes 00:02:10 - The tax increase retirees never see coming 00:03:37 - The IRA and 401k myth 00:08:54 - How income two years ago hits now 00:15:00 - Rule of 55 explained 00:17:15 - Strategic rollout strategy 00:21:20 - $1M IRA rollout example 00:28:10 - Answering skeptics ---------- 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 ----------

    34 min

  6. FEB 26

    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/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 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 bomb Whether you want tax-free retirement income, better liquidity, or fewer tax surprises, these strategies show a smarter path. Timestamps: 00:00:10 — Introduction 00:01:20 — 2024 life insurance sales trends 00:04:06 — Rules that change funding strategy 00:06:33 — Apples-to-apples IRR comparison test 00:09:50 — Whole life illustration 00:14:31 — IUL illustration 00:23:08 — Why insurance can get cheaper 00:29:34 — Funding flexibility 00:32:49 — Worst tax traps 00:41:56 — The 401(k) tax bomb ---------- 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 ----------

    44 min

  7. FEB 19

    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/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 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 growth Timestamps: 00:00:00 — Optimize assets, minimize taxes, and build authentic wealth 00:01:17 — Is Bitcoin really a currency? 00:05:13 — Crypto adoption problem 00:11:14 — Dot-com crypto analogy 00:13:52 — LASER Fund vs taxable brokerage comparison 00:16:07 — How IUL indexing works 00:18:51 — Why crashes destroy withdrawals 00:20:27 — Why tax-free income keeps going 00:26:09 — Small business secrets 00:32:20 — Service basics that most businesses fail 00:34:53 — Final reminder ---------- 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 ----------

    35 min

  8. FEB 12

    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/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 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 disappear Whether you want tax-free retirement income, legacy planning, or more predictability, these insights help you make smarter decisions. Timestamps: 00:00:00 — Introduction 00:01:47 — 2008 crash lesson 00:05:43 — Refinancing for liquidity 00:14:35 — Selling your rental property? 00:20:20 — Compare rental income vs tax-free IUL 00:25:20 — Legacy planning truth 00:28:25 — Future taxes vs today 00:32:44 — 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/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 ----------

    38 min
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Ratings & Reviews

5
out of 5
5 Ratings

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
    58
  • Rating
    Clean
  • Copyright
    © Copyright 2025 All rights reserved.
  • Show Website
    93 Million with Doug Andrew

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