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

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