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. 6D AGO

    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

  2. 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

  3. 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

  4. 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

  5. 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

  6. FEB 4

    How to Protect Retirement Income Using IUL Indexing Strategies (Episode 51)

    Discover how the paper folding myth exposes the true power of compound interest and exponential growth. Doug Andrew and the panel break down how Indexed Universal Life (IUL) can deliver market-linked growth without placing your money directly in the stock market, using an insurer’s general account and options-based indexing. This episode reveals: - Why doubling (like folding paper) creates massive growth faster than you expect - How IUL indexing is structured - The deeper meaning of compounding Whether you’re focused on retirement income, tax efficiency, or wealth preservation, these insights help you think long-term with clarity. Timestamps: 00:00:00 — Introduction 00:01:25 — Paper folding myth reveals exponential growth and compound interest 00:04:37 — Why 93 million miles proves compounding isn’t intuitive 00:09:26 — Retirement fear of running out of money solved by compounding 00:11:06 — How IUL indexing works without being in the stock market 00:13:37 — Bonds and options strategy explained for market-linked gains 00:18:27 — Protect gains and start fresh annually 00:21:01 — Market crash example shows zero floor and recovery advantage 00:25:10 — No-loss casino metaphor 00:30:32 — Compounding money, skills, and legacy

    40 min

  7. JAN 28

    Tariffs, GDP, National Debt And How Retirees Should Prepare (Episode 50)

    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 what a “lower deficit” really means—and why it doesn’t erase national debt or the risk of higher future taxes. The 3DW panel break down tariff revenue, GDP growth, and how baby boomer retirement withdrawals from 401(k)s and IRAs can increase taxable income at the exact moment many retirees lose deductions. Explore why a new IUL survey shows Indexed Universal Life is shifting from “just a death benefit” to a multi-purpose strategy for retirement income planning, cash value access via policy loans, business liquidity, and estate planning. This episode reveals: - What “deficit down” actually means—and why debt can still rise - How IUL is positioned for tax-efficient retirement income and protection planning - The $2 rule mindset shift: responsibility and accountability that boosts results If you’re worried about inflation, taxes, and outliving your money, these insights help you build a smarter retirement income plan. Timestamps: 00:00:00 — Introduction 00:01:27 — Tariffs, GDP, and retirement impact 00:03:25 — Deficit vs debt explained 00:05:46 — Why IUL is discussed as market-loss protection alternative 00:09:12 — Baby boomers retiring 00:12:54 — Retirement income, liquidity, and policy loans 00:14:32 — Is max-funded IUL only for wealthy? 00:16:19 — Compounding, cash value, and fees 00:20:05 — Real policy statement breakdown 00:26:01 — Term vs IUL debate 00:30:01 — The $2 rule --- 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 ----------

    37 min

  8. JAN 21

    The Real Retirement Tax Trap And 2026 Inflation Warning (Episode 49)

    ---------- 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 Required Minimum Distributions (RMDs) really work—and why the IRS forces withdrawals from your IRA and 401(k) starting at age 73. Doug Andrew and the team reveal the trap behind tax-deferred accounts, why RMD penalties exist, and how strategic planning can protect your retirement income and legacy. Uncover what inflation in 2026 could look like. Learn why money printing can pressure purchasing power, and how long-term, net after-tax return strategies can help you stay ahead of inflation without chasing headlines. This episode reveals: - Why RMDs exist, how penalties work, and how tax brackets impact withdrawals - How a strategic rollout can reduce future tax damage and increase tax-free income - The Rule of 55 explained: early 401(k)/403(b) access without the 10% penalty (when eligible) - How tax diversification and tax-free strategies (including IUL concepts) may improve outcomes Whether you’re worried about retirement taxes, inflation risk, or early-access planning, these insights help you take control and avoid costly timing mistakes. Timestamps: 00:00:00 — Building authentic wealth foundations 00:01:46 — Required Minimum Distributions explained 00:03:17 — The 401(k) partnership 00:05:52 — RMD penalties 00:10:17 — Strategic rollout case study 00:15:23 — Tax-free retirement income comparison 00:20:43 — Money printing and inflation risk 00:22:46 — Inflation 2026 strategy 00:25:28 — Beat inflation 00:29:14 — Rule of 55 explained 00:35:01 — Tax bracket timing ---------- 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
4 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
    55
  • Rating
    Clean
  • Copyright
    © Copyright 2025 All rights reserved.
  • Show Website
    93 Million with Doug Andrew

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