93 Million with Doug Andrew

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 today’s overvalued stock market and rising national debt could threaten your retirement and how max-funded Indexed Universal Life (IUL) can turn volatility into opportunity. Doug Andrew and his team unpack the S&P 500’s sky-high P/E ratio, the speculation swirling around AI, and why the next correction is a matter of when, not if. Learn how indexing strategies with a zero-percent floor lock in gains while shielding you from market drops. Uncover how IUL’s tax-free growth and smarter indexing can protect your wealth from both crashes and future tax hikes. You’ll see why shifting money out of fully taxable IRAs and 401(k)s into tax-favored IUL can help you keep more of what you’ve built—no matter what happens on Wall Street or in Washington. This episode reveals: - How indexing in IUL lets you capture upside with no market losses - Why $38T of debt and $105T of unfunded liabilities point to higher future taxes - How to diversify tax buckets so retirement income isn’t eaten by the IRS - What the Kyle Busch IUL case teaches about structure, funding, and agent incentives Whether you’re worried about a stock market crash, creeping tax policy, or protecting your family’s inheritance, these insights show how a properly structured, max-funded IUL can help safeguard your assets and create tax-free income for life. Timestamps: 00:00:00 - Introduction 00:00:24 - Discussion on Overpriced Stock Market 00:01:23 - Understanding the PE Ratio 00:02:19 - Historical Market Performance 00:02:51 - Protecting Investments and Market Predictions 00:06:49 - The Importance of a Market Strategy 00:08:15 - Understanding Indexing in IULs 00:08:30 - Explaining Different Indexing Choices 00:13:28 - The Benefits of Indexing 00:13:54 - Indexing Options in IULs 00:15:07 - Discussion on Indexing Strategy 00:16:16 - Viewer Engagement and Question 00:16:31 - Discussion on Future Tax Rates 00:17:34 - Detailed Analysis of Proposed Tax Changes 00:26:51 - Understanding Tax Benefits of IULs 00:28:48 - Importance of Tax Diversification 00:30:24 - Discussion on Future Tax Rates and Predictions 00:34:05 - Viewer Engagement and Advertisement 00:36:01 - Discussion on IULs and Kyle Busch Situation 00:37:53 - Final Thoughts on Kyle Busch Situation 00:45:41 - Conclusion and Outro --- 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

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 understanding risk, national debt, and taxes can transform your retirement strategy. Doug Andrew and his team break down why so many near-retirees are overexposed to market risk, how inflation and the 4 percent rule can quietly sabotage your nest egg, and why properly structured Indexed Universal Life (IUL) may be the missing piece in your plan. Uncover how IUL’s zero-percent floor, annual reset, and smarter indexing work alongside conservative design to preserve what you’ve built—even when volatility spikes. Explore the real implications of a $36 trillion national debt, looming Medicare and Social Security shortfalls, and the government’s growing appetite for tax revenue, including your IRAs and 401(k)s. This episode covers: - Why risk tolerance rises dangerously near retirement—and how to correct it - The simple math showing why many savers may need $6 million or more - How moving from tax-deferred accounts to tax-free IUL can cut lifetime taxes - The difference between market losses and IUL’s zero-percent floor and reset - What really happens if the dollar “crashes,” and why bartering, not gold, rules Whether you’re worried about outliving your money, higher tax brackets, or another market crash, these insights show how the LASER Fund and IUL can help you create tax-free income, protect your family, and build wealth that endures uncertainty. Timestamps: 00:00:00 – Introduction 00:01:16 – Why 60-year-olds are still investing like twenty-somethings in equities 00:03:07 – Record 401k stock exposure before retirement age 00:04:20 – $6.2 million wake-up call 00:07:25 – How Fed-driven low interest rates forced retirees into risky markets 00:09:05 – The danger of chasing AI stock booms 00:12:03 – National debt explodes from $24T to $36T 00:17:10 – IUL versus tax-deferred accounts 00:21:45 – Rolling IRAs into IUL and slashing a multimillion-dollar tax bill 00:28:20 – Why politicians are eyeing your $30 trillion in retirement accounts 00:32:01 – What if the U.S. dollar actually crashes? 00:35:25 – Brazil’s 19,000% inflation 00:39:39 – Taxes, dollar fears, and bartering for survival ---------- 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 ----------

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 a properly structured, max-funded IUL can compound safely and deliver tax-free retirement income. Doug Andrew’s team unpacks the rails—TEFRA, DEFRA, TAMRA—and why designing for your guideline single premium (the right “building size”) beats bloated death benefits every time. Learn why going beyond products (the “engine”) and focusing on structure, funding, and annual tune-ups (the “pit crew”) leads to durable results. Uncover how the zero-percent floor and smarter indexing aim to preserve principal during market drawdowns, while disciplined funding and reviews keep policies on track. Reclaim clarity with a DIY in-force illustration audit and fee report that reveal vacancy (underfunding) at a glance. This episode reveals: - Max-funding basics and why TEFRA/DEFRA/TAMRA matter - Option A vs. Option B and optimizing death benefit costs - Case studies showing real growth, fees, and tax-free income Whether you seek tax advantages, long-term compounding, or peace of mind, these insights show how a well-built IUL can power authentic wealth. Timestamps: 00:00:43 — Kyle Busch case 00:01:32 — Why big IUL losses happen 00:05:46 — Don’t blame IULs 00:06:27 — Four pillars: structure, funding, management, and real examples 00:07:18 — Two IUL failure points most investors overlook 00:10:55 — Owning your death benefit 00:13:10 — TEFRA, DEFRA, TAMRA 00:16:27 — Cash value parity by years five to eight 00:18:08 — Case study: 2019 Pacific Life policy compounding correctly 00:21:22 — Annual reviews and index choices: minor levers, major habits 00:25:08 — Long-term results: fees down, values up after year ten 00:29:23 — Large policy example 00:35:00 — DIY audit ---------- 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 true compounding—not simple averages—can protect your lifestyle in retirement. Doug Andrew and the 93 Million team reveal how to convert fear into confidence with indexed universal life (IUL), combining tax-free growth, downside protection, and smarter withdrawals. Uncover how IUL’s zero-percent floor and index crediting help you avoid sequence-of-returns risk while pursuing growth. See why small compounding gains (vs “12% average” hype) can double long-term outcomes, and how properly structured IUL fees stay low over time. This episode reveals: - The danger of sequence risk and why averages can mislead - How a max-funded IUL targets tax-free income with a zero floor - Real illustrations and statements that debunk “exuberant” IUL fees Whether you want predictable income, tax advantages, or peace of mind for your family, these insights show how The LASER Fund framework and IUL structure can help you avoid running out of money and retire with confidence. Timestamps: 00:00:00 — Introduction 00:01:41 — Outliving your money 00:03:03 — Dignity, independence, and why financial self-reliance matters 00:05:20 — Can I retire without returning to work later? 00:11:29 — Average vs compounded returns: the 12 percent myth 00:15:25 — How “12% average” still runs out of money 00:18:10 — Why a 50% rebound can’t fix a 40% crash 00:19:26 — Zero is your hero: IUL’s downside protection floor 00:20:50 — The 93 Million principle 00:22:23 — Safe withdrawals, taxes, and the 4 percent rule update 00:28:20 — How to act: tax-free strategies with Laser Financial 00:30:12 — Advisors: scale with the IUL Insiders Challenge 00:30:21 — IUL fee myths vs reality: see the actual numbers 00:35:12 — Real statements: low costs for young and older clients 00:39:18 — Structure is everything: build IULs the right way ---------- 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 to turn volatility into opportunity with Indexed Universal Life (IUL). Doug Andrew and team break down the annual reset, “zero is your hero,” and strategic no-cap indexing so you can sidestep losses and ride powerful rebounds with confidence. Learn how policy-loan arbitrage—borrowing at one rate while your cash value keeps compounding—can help supersize tax-free retirement income. Then apply the LASER test (Liquidity, Safety, Return) to your mortgage strategy and uncover the real cost of extra principal payments. Uncover how IUL’s floor, locked-in gains, and smarter index choices can help you preserve what you’ve built through downturns and recoveries alike. Discover why keeping liquidity in a compounding, tax-advantaged bucket may beat sending dollars to illiquid home equity. This episode reveals: - Annual reset & no-cap tactics to capture rebounds after crashes - Arbitrage with policy loans to potentially lift tax-free income - LASER-based mortgage decisions that prioritize liquidity and growth Whether you want downside protection, compounded growth, or a disciplined income plan, these insights show how a properly structured IUL can fortify your financial future. Timestamps: 00:01:48 — IUL annual reset 00:05:15 — Zero is hero 00:06:52 — Lock gains, reset 00:08:41 — No-cap index picks 00:11:20 — COVID threshold surge 00:12:49 — Fixed account option 00:13:18 — IUL arbitrage basics 00:15:24 — Zero-wash vs index 00:18:58 — 50% income lift 00:26:18 — Mortgage vs LASER ---------- 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 the Three Dimensions of Authentic Wealth can balance your life and fortify your finances. Doug Andrew and his team dive into the “93 Million” principle, blending Foundational, Intellectual, and Financial assets with the power of a max-funded Indexed Universal Life (IUL). Learn why going beyond products (the clubs) and focusing on strategies (the swing) leads to abundant, tax-free retirement outcomes. Uncover how IUL’s 0% floor, smarter indexing, and optional multipliers preserve what you’ve built during market downturns—while capturing meaningful upside. See real-world credits from actual statements, the truth about compound vs average returns, and how to engineer predictable, tax-free income. This episode reveals: - Why “12%” is a myth for retirees—and what to target instead - How to structure IUL allocations (1-, 2-, 5-year) for durable results - The Family Bank method to end entitlement and build resilient heirs Whether you want tax advantages, compound growth, or a legacy that outlasts crises, these insights show how the LASER Fund framework can transform your future. 00:00:00 — Introduction 00:03:10 — Taxes, fees, volatility 00:10:40 — How much income can I generate? 00:12:06 — Do IULs underperform? 00:16:05 — Multipliers explained 00:20:00 — Real clients, real credits 00:24:20 — Whole life vs IUL 00:28:45 — How to get help 00:35:57 — Build a Family Bank 00:41:55 — 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

Discover how Three-Dimensional Wealth planning protects what matters most: income today, flexibility tomorrow, and a lasting legacy. Doug Andrew and his team dismantle the shrinking 4% rule and reveal how a properly structured, max-funded Indexed Universal Life (IUL) can deliver tax-free retirement income while preserving compounding with a 0% floor and modern indexing strategies. Uncover how taxes, inflation, and volatility quietly erode traditional portfolios—and how IUL’s loan-based income, downside protection, and design discipline keep more dollars in your pocket. Learn to avoid illustration “smoke & mirrors,” pick strong mutual carriers, and structure policies for efficient growth. This episode reveals: - Why the 4% rule is giving way to ~3.7% and what that means - How a max-funded IUL can model ~7–10% tax-free income rates - The Tax & Inflation Power Curve and the Rule of 72 in action - How carrier competition drives lower costs and better indexing The role of sequence-of-returns risk and how IUL mitigates it. Whether you want tax advantages, downside protection, or lasting legacy benefits, these insights show how the LASER Fund framework can transform your retirement. 00:00:00 – Introduction 00:01:25 – Biggest dangers to retirement 00:04:11 – Rule of 72 00:10:00 – Is the 4% rule dead? The uncomfortable new math 00:14:09 – RMDs vs. safety 00:15:03 – IUL illustration 00:21:34 – Recent credited returns and diversification 00:26:10 – How to start 00:29:56 – Choosing carriers 00:38:52 – Final takeaways ---------- 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 indexing inside IUL can replace panic with a plan. Doug Andrew’s team unpacks zero floors, annual resets, and locked-in gains—so you avoid losses while still capturing rebounds. See why buy-and-hold often beats timers, and how IUL adds a disciplined, tax-advantaged engine to your retirement. Uncover how tax diversification—shifting from taxable and tax-deferred to tax-free—helps you prepare for potential higher future taxes. Then watch the numbers: real IUL costs, IRR, caps, and participation rates, plus a live client statement showing fees versus credited interest. This episode reveals: - Why timing fails and emotions hurt investor outcomes - How IUL’s zero floor and reset lock in prior gains - The mechanics of caps, participation, and multi-year strategies - What IUL really costs—and how design changes everything Whether you want downside protection, tax-free income, or a retirement plan you can stick to, these insights show how properly structured IUL can steady your path. Timestamps: 00:00:00 — Introduction 00:01:26 — Market volatility 101 00:02:47 — Miss the “best days,” crush your long-term returns 00:05:53 — Emotion vs. logic: panic selling and FOMO buying 00:07:24 — IUL indexing basics: zero floor, capped upside, tax-free growth 00:08:40 — Locked-in gains and annual reset, explained with a ratchet 00:14:39 — Spending vs. taxation: debt, deficits, reform implications 00:17:19 — Tax diversification: taxable, tax-deferred, and truly tax-free buckets 00:25:27 — IUL costs simplified: structure right vs. costly designs 00:32:40 — Real client numbers: $95k credited interest vs. $3k fees ---------- 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 a max-funded Indexed Universal Life (IUL) can power tax-free growth, liquidity, and protection while avoiding common design mistakes. Doug Andrew and team break down the Laser-Ready Test, the Rule of 72, and the trade-offs of Term, Whole Life, and IUL so you can align coverage and cash value with your real goals. Uncover how a zero-percent floor and smarter indexing can shield your nest egg from market losses while still participating on the upside—and why riders and annual rebalancing matter. Now that you see the benefits of transparent, purpose-driven planning, this episode reveals: - When to use Term vs IUL (and where riders truly belong) - How to vet advisors with the 14-point Laser-Ready checklist and fee clarity - Small-business strategies: selective incentive plans, key-person coverage, and the four entrepreneurial freedoms Whether you want tax-free income, downside protection, or a durable legacy, these insights show how the LASER Fund framework can transform your financial future. 00:00:01 - Introduction 00:03:01 - Understanding IUL 00:07:03 - The Role of Financial Professionals 00:10:28 - Can Someone Create a LASER Fund on Their Own? 00:12:51 - The Importance of Regular Reviews 00:14:49 - Term Life vs IUL 00:25:24 - Advice for Small Business Owners 00:30:37 - The Importance of Purpose in Small Businesses 00:35:05 - The Four Freedoms and Business Growth 00:36:23 - Closing Remarks and Call to Action ---------- 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 the Three Dimensions of Authentic Wealth can balance your life and fortify your finances. Doug Andrew and his team dive into the LASER Test—blending Liquidity, Safety, and Rate of Return with powerful tax advantages using a properly structured, max-funded Indexed Universal Life (IUL). Learn why going beyond products (the clubs) and focusing on strategies (the swing) leads to abundant, tax-free retirement outcomes. Uncover how IUL’s zero-percent floor and annual reset protect you from market downturns while compounding growth. Capture your values—and your family’s story—through a Life Sketch that preserves defining moments for generations. Now that you see the benefits of a diversified, purpose-driven plan, this episode reveals: - Why the 4% rule falls short and how to replace income tax-free - How to avoid sequence-of-returns risk at retirement - When a 1035 exchange can boost efficiency and cash flow Whether you seek tax advantages, steady income, or a lasting legacy, the LASER Fund framework can transform your future. Timestamps: 00:01:52 • The retirement number myth most calculators ignore: taxes 00:03:23 • Stop losses derailing retirements: sequence-of-returns risk explained 00:04:47 • Why a 6% net payout targets lifestyle without taxes 00:05:59 • 10–12× income fails—why the 4% rule breaks budgets 00:07:21 • Behavior gap vs market return 00:09:00 • Save 20% to maintain lifestyle—don’t wait for your 50s 00:10:00 • Case study: IRA to IUL for higher, tax-free cash flow 00:12:56 • The LASER Test: Liquidity, Safety, Return, Tax Advantages 00:14:22 • Liquidity wins: access cash without triggering market or taxes 00:16:40 • Safety first: why banks trust life insurers with reserves 00:17:10 • Rate of return with zero floor and annual reset 00:18:14 • Tax-free accumulation and access: the IUL advantage 00:20:00 • Fixing IULs: 1035 exchange and proper max-funding 00:24:18 • Life Sketch: capture defining moments your heirs will revisit 00:30:00 • The legacy questions that matter more than your will ---------- 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 strategic tax planning and modern life insurance design can fortify your retirement. Doug Andrew and team demystify the “seed vs harvest” tax choice and show how a properly structured IUL (LASER Fund) turns compounding into tax-free income. Learn how TEFRA/DEFRA/TAMRA and Section 7702 enable efficient designs that protect growth and legacy. Uncover how smart policy loans keep money compounding, why indexed loans can create positive arbitrage, and how to avoid the tax drag that drains IRAs and 401(k)s. Now that you see the cost of harvest-taxed savings, this episode reveals: - The Rule of 72 and “93 million miles” compounding advantage - No-vacancy funding to maximize cash value and reduce costs - How 7702’s update made compliant IULs more efficient than ever Whether you want tax-free income, downside protection, or a durable legacy, these insights show how the LASER Fund framework can transform your retirement. Timestamps: 00:00:00 — Optimize assets, minimize taxes, master tax-free retirement strategies 00:02:23 — Seed vs harvest: Why deferring taxes backfires in retirement 00:06:17 — TEFRA, DEFRA, TAMRA: Rules that unlock IUL tax advantages 00:08:58 — “No vacancy” funding: Fill your LASER Fund to the max 00:12:43 — Loans vs withdrawals: Keep compounding and tap cash tax-free 00:16:20 — Ready for a plan? How to implement a LASER Fund 00:18:19 — Compound interest power: Why small rates become big outcomes 00:22:08 — 93 million miles: The fold that doubles your future 00:27:58 — Rule of 72: Time, rate, and your doubling schedule 00:29:34 — Tax drag showdown: Tax-free vs taxed-as-earned vs deferred 00:31:20 — Retirement math: Why IRAs often run dry in 11 years 00:32:59 — Final takeaways: Stay tax-free, keep compounding, protect 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 ----------

Doug Andrew and his team dive into the “93 Million” principle, blending Foundational, Intellectual, and Financial assets with the power of a max-funded Indexed Universal Life (IUL). Learn why going beyond products (the clubs) and focusing on strategies (the swing) leads to abundant, tax-free retirement outcomes. Uncover how IUL’s zero-percent floor, lock-in, and annual reset preserve what you’ve built from market downturns—then capture growth. See why sequence of returns devastates “average return” plans and how indexing reframes the math in your favor. This episode reveals: - The math behind drawdowns—and why zero can be a hero - How IUL vs Whole Life compares on IRR, costs, and tax-free income - Real-world rebound years after crashes and what “reset” really means If you want tax advantages, compounding, and peace of mind, the L.A.S.E.R. Fund framework can transform your future. Timestamps: 00:00:00 — The villainy of volatility and why zero can win 00:01:22 — 2008 crash truth: rebounds don’t erase drawdowns 00:03:28 — Losses need bigger gains: the compounding reality check 00:05:40 — Sequence of returns risk ruins “average return” plans 00:07:42 — Don’t lose money: protect first, then pursue gains 00:09:28 — Indexing 101: zero floor, caps, and annual reset 00:10:56 — Lock in gains, reset low, ride recoveries smarter 00:12:36 — Case study: COVID drop to 61% credited rebound 00:16:58 — Up 50, down 50: why indexing still wins 00:20:58 — Why IUL demand surged and whole life lagged 00:24:22 — Self-insure, shrink policy costs 00:31:24 — Side-by-side: whole life vs IUL income outcomes 00:34:28 — IRR reality: tiny fee drags compound into millions 00:39:22 — Owner’s view: predictable dividends vs indexed upside 00:41:18 — Parable of talents: burying money vs compounding ---------- 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 (IUL) can transform your small business and retirement. Doug Andrew and his team dive into the power of a properly structured IUL, blending liquidity, safety, and tax-free growth with the discipline of a family bank. Learn why a working capital account in an IUL can earn a higher rate of return than a traditional bank. Uncover the truth about the IRA and 401(k) tax trap and why deferring taxes is really just a form of tax procrastination that can cost you dearly in retirement. Discover how to avoid Required Minimum Distributions (RMDs) and prevent your kids from inheriting a tax nightmare. This episode reveals: • The hidden dangers of traditional retirement accounts and how to escape the tax trap. • Why a family bank is about more than just money—it's a system for passing on Knowledge, Attitude, Skills, and Habits (K-A-S-H) to future generations. • How a properly funded IUL can provide tax-free income, protect against market volatility, and serve as a powerful financial tool for your business. Whether you're an entrepreneur, a retiree, or a financial professional, these insights will show you how to build, grow, and protect your wealth for life. Timestamps: 00:01:20: Discover how an IUL helps your small business grow. 00:03:38: Learn how a working capital account generates tax-free wealth. 00:07:00: Stop lazy, idle money from driving entrepreneurs crazy. 00:11:28: Exposing the IRA and 401k tax trap. 00:13:59: How deferring taxes hands over your future to the government. 00:17:01: Why IRAs make your Social Security and Medicare taxable. 00:22:07: The worst retirement advice is just taking RMDs. 00:26:51: What's a family bank and should you have one? 00:32:00: Learn the three dimensions of authentic wealth. 00:34:40: The difference between financial cash and intellectual KASH. ---------- 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 inflation, taxes, and longevity threaten retirement—and how Indexed Universal Life (IUL) can protect you. Doug Andrew and his team reveal why the old “Buy Term and Invest the Difference” advice fails, and how the “93 Million” principle works to preserve wealth with tax-free growth. Learn why relying on the 4% rule, Social Security, or outdated strategies leaves you vulnerable. Instead, see how max-funded IULs outpace inflation, create predictable retirement income, and shield your savings from market downturns. This episode reveals: - Why inflation is the silent thief destroying middle-class retirement - How a properly structured IUL beats BTID with tax-free growth - Why longer life expectancy means new retirement strategies are critical - The broken promise of Social Security and the 4% rule Whether you want compound growth, inflation-proof strategies, or peace of mind for your family, this episode shows how the L.A.S.E.R. Fund framework can transform your future. 00:01:19 | Inflation news explained and why it matters for retirees 00:02:59 | How inflation erodes purchasing power in retirement 00:04:46 | Indexed Universal Life as an inflation hedge 00:06:19 | Why inflation and taxes eliminate the middle class 00:09:38 | Buy Term and Invest the Difference explained 00:12:44 | Hidden opportunity cost of term life insurance 00:15:28 | Why max-funded IUL outperforms tax-deferred accounts 00:19:02 | Doug Andrew: From BTID advocate to IUL strategist 00:24:15 | Rising life expectancy and retirement planning risks 00:29:07 | Why the 4% rule fails modern retirees 00:31:27 | Social Security insolvency and government strain 00:33:55 | Best financial firm? Focus on strategy, not company ---------- 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 retirement account fees and taxes drain millions from your savings — and how the L.A.S.E.R. Fund can change your future. Doug Andrew and his team unpack why a properly structured Indexed Universal Life (IUL) beats traditional accounts, offering tax-free growth, zero-loss market protection, and minimal fees. Uncover why most retirees unknowingly pay fees on Uncle Sam’s share, how to avoid the $1M+ lifetime fee trap, and why correct IUL structuring flips the script on Dave Ramsey’s misconceptions. In this episode you’ll learn: - How traditional accounts can lose over $3M to fees and taxes - Why IUL costs less than 0.5% over time while providing a death benefit - How to structure policies for long-term tax-free income - The benefits of “Vacations with a Purpose” for family unity and tax deductions Whether you want tax advantages, security, or a lasting legacy, this strategy protects what you’ve built. Timestamps: 00:01:35 – The shocking lifetime cost of retirement account fees revealed 00:03:23 – How 1% annual fees can drain nearly $1M from savings 00:06:32 – Why advisors still profit when your portfolio loses value 00:09:27 – Comparing IUL vs traditional accounts: who wins after 55 years 00:13:19 – How taxes and fees cut a $6M nest egg in half 00:15:56 – Real IUL statement proves Dave Ramsey wrong on policy costs 00:17:36 – The right way vs wrong way to structure an IUL 00:20:08 – Why you can’t fully self-insure from day one 00:26:33 – How “Vacations with a Purpose” build family unity and wealth 00:33:23 – Finding certified IUL advisors to protect your retirement ---------- 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

Unlock the new 2021 L.A.S.E.R. fund advantage and future-proof your finances. Doug Andrew’s crew unpacks the three dimensions of Authentic Wealth, showing how a max-funded Indexed Universal Life (IUL) harnesses tax-free growth, a zero-percent floor, and Congress-proof grandfathering. Feel the relief of compounding without IRS erosion, lower internal costs, and smarter indexing that captures upside—never downturns. Now that you see the stakes, this episode reveals: - The 33 % fee cut hidden in 2021’s 7702 revision - How a policy audit grades your “bucket proficiency” in minutes - Why the average earner surrenders $575k to taxes—and how to avoid it Whether you want secure retirement income, tax diversification, or a dependable legacy, these insights show why the L.A.S.E.R. Fund framework can transform your future. Timestamps: 00:00:00 - Introduction 00:02:06 - Will Congress strip life-insurance perks? 00:05:12 - 2021 rule slashes IUL fees 33 %—why timing matters now 00:10:29 - Cash value equals death benefit in 10 years: see the math 00:14:23 - Shocking lifetime tax bill 00:20:24 - Tax-free compounding: why 40–60 % of income should vanish from 1040s 00:24:34 - Case study: perfect vs. broken IUL—fees, growth, policy death spiral 00:32:00 - Audit tool demo 00:36:30 - Sleep-better wealth strategy ---------- 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

Balance your life and future finances with predictability. Doug Andrew’s 93 Million crew explores the need for control and how a max-funded Indexed Universal Life (IUL) delivers it. From locking in gains with a zero-percent floor to using 1035 exchanges that turbo-charge under-performing policies, this episode shows you how to turn chaos into calm. Uncover the zero-loss, tax-free growth strategy that shelters you from market crashes while compounding gains you never have to give back. Now that you can see the power of financial predictability, this episode reveals: - Why 1035 exchanges rescue cash-strapped whole-life and UL contracts - How positive loan arbitrage lets you earn while you borrow - The simple audit that guarantees you never outlive retirement income Seeking tax advantages, steady growth, or peace of mind? Learn how the Laser Fund framework transforms uncertainty into lasting abundance. ---------- 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 half of Americans stumble on basic financial questions – and how you can avoid the same fate. Doug Andrew and his team dive into “funny math” to highlight the serious gaps in financial literacy. They then unveil how a max-funded Indexed Universal Life (IUL) policy can do what traditional plans can’t: provide tax-free, compound growth for both college savings and retirement. Learn why going beyond the ordinary 529 plan and leveraging an IUL’s unique features leads to greater flexibility and a richer outcome. Uncover how an IUL’s zero-percent floor (no market losses) and policy loan options let you fund education without ever sacrificing your nest egg’s growth. Hear real strategies for beating inflation, minimizing taxes, and building a legacy – all while protecting your loved ones and enjoying peace of mind. Now that you see what’s possible, this episode reveals: - Why financial literacy is lacking in America and the costly consequences of not understanding interest, inflation, and taxes - How a max-funded IUL can pay for college (tax-free!) and still accumulate wealth for your retirement – a strategy banks and 529 plans won’t tell you about - Insights from a 3-question money quiz most adults fail, and what the correct answers mean for your financial future Whether you’re a high-income earner, a business owner, or just starting your financial journey, these insights will help you outpace inflation, eliminate unnecessary taxes, and create authentic wealth that stands the test of time. 00:00:00 – The 93 Million Promise: Triple‑Shield Wealth Hack 00:01:27 – Could 14 × 5 Actually Equal 25? 00:02:14 – Are You in the 50% Failing Finance? 00:03:08 – Why Schools Hide the Money Rulebook 00:09:50 – Parents’ Secret to Million‑Dollar Math 00:10:16 – IUL vs 529: Which Funds College Free? 00:15:40 – Pay Tuition Without Touching Savings 00:19:10 – Borrow at 5%, Earn at 8%—Legally 00:23:50 – Is a Degree Still Worth the Price Tag? 00:29:48 – Can You Ace the 3‑Question Money Test? 00:35:10 – Inflation’s Silent Tax on Your Wallet 00:37:40 – The Single‑Stock Gamble Investors Regret 00:40:30 – Your Next Move Toward Tax‑Free 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 ----------

Wondering how the “Big Beautiful Bill” will really impact your portfolio? In this episode of 93 Million, Doug Andrew and team dissect bullish and bearish S&P 500 forecasts, then prove why an equity‑indexed, max‑funded IUL can thrive no matter what. Learn how the zero‑is‑a‑hero floor protected clients from 2022’s 20 % drop and delivered a 61 % tax‑free rebound the very next year. Doug’s “Three Fishermen” riddle exposes common accounting blind spots that drain retirement wealth. Discover strategies to convert volatile, taxable accounts into predictable, tax‑free cash flow, build emergency reserves, and avoid get‑rich‑quick pitfalls. Perfect for investors and advisors seeking growth, safety, and stress‑free nights. Now that you understand bullish vs. bearish noise, this episode reveals: - How indexing locks gains and never participates in losses - Proven 7‑8 % average returns you can actually keep - Simple steps to convert taxable IRAs into tax‑free wealth Whether you crave predictable retirement income, crash‑proof compounding, or a blueprint clients can trust, these insights show how a L.A.S.E.R. Fund framework secures your future. 00:00:00 – Big Beautiful Bill passes: what it means for investors now 00:01:34 – Bullish vs bearish S&P 500 forecasts—who should you trust? 00:04:05 – Zero‑is‑a‑Hero: indexing shields your principal from crashes 00:07:35 – 2022 crash case study: 0 % loss, 61 % rebound tax‑free 00:11:12 – Why market recoveries are the only predictable moments 00:16:15 – Free Laser Financial consultation: turning theory into action 00:17:41 – Three Fishermen riddle exposes costly accounting blind spots 00:22:21 – Nearsighted tax advice: the hidden danger of deferral 00:27:03 – Lost money online? Three questions wealthy investors ask first 00:32:15 – Create predictability, learn from the past—your next steps ---------- 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

Explore how permanent Trump tax cuts can impact your retirement and tax strategy. Doug Andrew and the 93 Million team analyze how predictable tax policy can fuel economic growth, reduce volatility, and affect tools like Indexed Universal Life (IUL) and annuities. Learn the power of strategic IRA rollouts and why following the herd may be your biggest financial mistake. Hear how a properly structured IUL delivers tax-free income and security in uncertain times. Then, uncover legacy wisdom from Grandpa’s Camp—a family tradition that teaches responsibility, leadership, and values for the rising generation. In this episode: - Why predictable tax policy stimulates markets and protects retirements - How to convert IRAs and 401(k)s for tax-free growth using IUL - When to use annuities for guaranteed income and peace of mind - Building a legacy through intentional family traditions Timestamps: 00:01:09 – Trump Tax Cuts Made Permanent: What You Need to Know 00:03:00 – How Tax Bracket Increases Could Hurt Middle Class 00:04:20 – Why Predictability Is the Market's Superpower 00:05:17 – $18 Trillion in Cash: Will It Return to Markets? 00:06:51 – Are the CBO Projections About GDP Wrong Again? 00:08:28 – Raise Tax Revenue Without Raising Taxes 00:09:22 – The Herd Mentality That’s Destroying Retirements 00:12:04 – Strategic IRA Rollouts Explained for Lower Taxes 00:14:14 – How to Escape the 401(k) Trap Now 00:18:08 – Why No One Wants to Touch Entitlements 00:20:00 – What Most People Don't Know About Annuities 00:25:00 – When Annuities Actually Make Sense 00:30:00 – Doug’s L.A.S.E.R. Test: IUL vs Annuity 00:33:24 – Grandpa’s Camp: Teaching Legacy and Leadership 00:38:52 – How Grandparents Can Inspire Real Transformation ---------- 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