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. 3d ago

    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 ----------

  2. 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 ----------

  3. 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 ----------

  4. Aug 13

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

    93 Million with Doug Andrew

  5. Aug 5

    Borrow Until You Die: Leverage, Liquidity and Legacy (Episode 74)

    Discover how the Borrow Until You Die strategy can help investors preserve appreciated assets, maintain liquidity, and create a more resilient wealth plan. Doug Andrew and the 93 Million panel explore how real estate leverage, 1031 exchanges, step-up in basis, and properly structured Indexed Universal Life insurance may work together to support tax-efficient retirement income and generational wealth. This episode reveals: - Why leverage without a reliable liquidity backstop can destroy a real estate portfolio. - How 1031 exchanges and step-up in basis relate to appreciated property. - How IUL policy loans differ from withdrawals. - Why banks willingly pay interest to access profitable capital. - How policy loans may support tax-advantaged retirement income. - Why proper IUL design, annual reviews, and loan management are essential. Whether you are investing in real estate, preparing for retirement, minimizing taxes, or building a legacy, this conversation shows why controlling liquidity may be just as important as controlling assets. Timestamps: 00:00:00 — Borrow Until Death 00:04:05 — Avoiding Capital Gains 00:06:36 — Understanding 1031 Exchanges 00:07:24 — Step-Up Basis 00:08:48 — Leverage Without Liquidity 00:10:17 — Building Liquidity Reserves 00:11:25 — Productive Interest Payments 00:13:06 — How Banks Leverage 00:17:10 — Deducting Loan Interest 00:20:00 — Surviving the Crash 00:22:21 — Liquidity Failure Stories 00:25:35 — Proper IUL Design 00:29:09 — Leverage With Liquidity 00:30:06 — IUL Policy Loans 00:32:23 — Loans Versus Withdrawals 00:33:46 — Tax-Free Retirement Income 00:34:52 — Strategy Final Summary --- 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. Jul 22

    ChatGPT Talks IUL vs Roth , Brokerage, and Term (Episode 73)

    Discover how a properly structured, max-funded Indexed Universal Life policy compares with Roth IRAs, taxable brokerage accounts, and the buy-term-invest-the-difference strategy. Doug Andrew and the 93 Million team grade ChatGPT’s final IUL question and reveal why choosing a retirement vehicle requires more than comparing average rates of return. This episode reveals: - How IUL compares with Roth IRAs and taxable brokerage accounts. - Why market losses can threaten income during retirement. - How a zero-percent floor protects against negative index credits. - Why policy loans may allow cash value to continue earning interest. - How tax-deferred accounts can create a future retirement tax trap. - Why liquidity and tax diversification provide greater financial control. - How preparation creates peace of mind during economic uncertainty Whether you are concerned about retirement taxes, market crashes, sustainable income, or leaving a financial legacy, these insights demonstrate how the L.A.S.E.R. Fund framework is designed to help you protect your wealth and sleep when the wind blows. Timestamps: 00:00:00 — ChatGPT Grades IUL 00:02:33 — IUL Versus Roth IRA 00:05:52 — IUL Versus Brokerage Accounts 00:07:13 — Buy Term Versus IUL 00:09:31 — Retirement Comparison Simulation 00:14:14 — Market Crash Protection 00:15:52 — Tax-Free Retirement Income 00:19:32 — IUL Policy Loan Advantage 00:24:12 — Challenging Traditional Retirement Advice 00:28:28 — The 401(k) Tax Trap 00:35:19 — Sleeping Through Financial Storms 00:38:50 — Building Financial Security ---------- 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. Jul 16

    ChatGPT Reviews IUL Break-Even and Policy Riders (Episode 72)

    Discover how to evaluate an Indexed Universal Life policy beyond the promises, projections and surface-level sales language. Doug Andrew and the 93 Million team grade ChatGPT’s latest IUL questions, revealing what buyers should know about break-even timing, internal rate of return, surrender charges, policy expenses and optional riders. Learn why a properly structured, max-funded IUL may reach its break-even point faster than a traditionally designed policy. Explore how insurance costs change over time, why cash value and surrender value are not always the same, and how to compare gross illustrated returns with the policy’s actual net IRR. This episode reveals: - How to identify a reasonable IUL break-even period - Why internal rate of return matters more than gross projections - How policy fees can change throughout the life of an IUL - Which riders may add value and which may create unnecessary costs - How max-funded policies gradually create self-insurance - Critical-thinking exercises that help children make better decisions - How purposeful family traditions create a lasting legacy Whether you are evaluating an IUL, preparing for tax-advantaged retirement income or looking for ways to strengthen your family, this conversation shows how financial, intellectual and foundational assets can work together to create authentic wealth. Timestamps: 00:00:00 — ChatGPT Grades IUL Questions 00:03:00 — IUL Break-Even Explained 00:09:22 — Measuring IUL Internal Returns 00:15:26 — How IUL Costs Change 00:23:17 — Which IUL Riders Matter 00:28:17 — Chronic Illness Versus Long-Term Care 00:32:53 — Grandpa’s Camp Builds Resilience 00:36:36 — Critical Thinking for Family Legacy ---------- 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. Jul 8

    Can You Trust ChatGPT’s Answers About IUL? (Episode 71)

    Discover how ChatGPT answers the biggest questions about Indexed Universal Life and where those answers may fall short. Doug Andrew and the 93 Million panel break down max-funded IUL, premium flexibility, policy loans, compliant illustrations, historical performance, and the risks of relying on shallow financial advice. Uncover why premium does not mean cost, how properly structured IUL policies can stay flexible during life changes, and why policy loans are often positioned as the smart way to access tax-free retirement income. This episode reveals: - What happens if you stop funding an IUL early - How IUL policy loans can create tax-free retirement income - Why policy lapse and overborrowing can create tax problems - How historical IUL performance compares to illustrations - Why Social Security may not be enough for future retirees Whether you’re researching max-funded IUL, tax-free retirement strategies, Social Security alternatives, or smarter ways to protect retirement income, this episode shows why you should trust but verify before making major financial decisions. Timestamps: 00:00:00 — ChatGPT Grades IUL 00:02:19 — Stopping IUL Premiums 00:07:16 — IUL Fees Explained 00:14:16 — Policy Loans Explained 00:22:00 — IUL Performance Proof 00:31:18 — Social Security Crisis 00:35:12 — Retirement Funding Problem ---------- 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
    77
  • Rating
    Clean
  • Copyright
    © Copyright 2025 All rights reserved.
  • Show Website
    93 Million with Doug Andrew