Episodes
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How the National Debt Could Affect Your Retirement Taxes (Episode 87)
Discover how growing national debt could affect your retirement taxes—and why your withdrawal strategy deserves attention today. Doug Andrew and the 93 Million team explore tax deferral, required minimum distributions, and preparing for potentially higher future tax rates. This episode reveals: -...
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9 Ways to Use Indexed Universal Life Insurance (Episode 86)
What if you could access money for a car, real estate, or your business without automatically cashing out the asset backing your loan? Doug Andrew and the 93 Million team explain how indexed universal life (IUL) cash value and policy loans may provide financial flexibility. Discover how these...
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Pay Taxes Now or Later? The Retirement Tax Trap
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Why The Wealthy Own Many Life Insurance Policies (Episode 84)
Discover why wealthy individuals may use life insurance for much more than a death benefit. Doug Andrew and the team explore reports that Paul Atkins holds 54 life insurance policies and discuss what this reveals about cash value, capital access, and wealth transfer. In this episode, you’ll...
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How IUL Indexing Balances Risk, Growth and Tax-Free Income (Episode 83)
Discover how the risk-versus-return paradigm changes when you stop looking only at individual investments and start thinking strategically. Doug Andrew and the 93 Million team rank everything from day trading, options, and cryptocurrency to real estate, bonds, savings accounts, and U.S.…
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Can IUL Outpace Inflation? How Indexing Really Works (Episode 82)
Discover how Indexed Universal Life (IUL) can help address inflation, rising interest rates, market volatility, and retirement taxes. Doug Andrew and his team explain how indexing, zero-percent floors, caps, spreads, and policy loans work inside a properly structured max-funded IUL. This episode...
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Will the Next Market Crash Destroy Your Retirement? (Episode 81)
Discover why a stock market crash doesn't have to derail your retirement strategy. Doug Andrew and the 93 Million team explore how a properly structured Indexed Universal Life (IUL) policy uses a zero-percent floor to protect against negative index performance while creating the potential to...
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How to Build More Predictable Tax-Free Retirement Income (Episode 80)
Is your 401(k) balance really the amount you'll have available in retirement? Doug Andrew and the 93 Million team break down the IRA and 401(k) dilemma, comparing traditional tax-deferred accounts, Roth IRAs, and tax-free retirement strategies. Learn why future tax rates, lost deductions, market...
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Why Market Crashes Can Create Opportunity With IUL Indexing (Episode 79)
Discover how to create greater predictability when markets feel anything but predictable. Doug Andrew and the 93 Million team examine recession forecasts, stock market uncertainty, and why trying to accurately predict the next market crash can leave investors stressed and vulnerable. Learn how a...
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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…
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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...
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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...
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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...
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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...
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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...
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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...
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ChatGPT’s IUL Advice Reviewed by Real Experts (Episode 70)
Discover how real IUL specialists evaluate ChatGPT’s advice on Indexed Universal Life, tax-free retirement income, and properly structured policy design. Doug Andrew and his team break down ChatGPT’s suggested questions about cap rates, participation rates, spreads, index strategies, carrier...
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Why Liquidity Is the Most Ignored Wealth Principle (Episode 69)
Discover how liquidity and compound interest can reshape your retirement strategy and strengthen your financial future. Doug Andrew and the 93 Million team explore one of the most overlooked LASER Fund principles: liquidity. Learn why access to money is not just a convenience, but a critical part...
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What AI Gets Wrong About IUL And Tax-Free Income (Episode 68)
Discover what happens when ChatGPT is asked to explain Indexed Universal Life insurance, policy design, cash value growth, and future tax-free income. Doug's team puts AI financial advice to the test by grading ChatGPT’s answers about IUL questions consumers should ask before buying. This episode...
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Fiduciary Conflicts, Tax Strategy, and IUL Mistakes (Episode 67)
Discover why the word fiduciary may not be enough to protect your retirement money. Doug Andrew, Greg Dukewitz, Emron Andrew, Aaron Andrew, and Brandon Johnson dive into fiduciary duty, hidden financial advisor conflicts, and the importance of becoming your own best fiduciary through education....
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Retirement Income, IUL, Taxes, and Legacy Planning (Episode 66)
Discover how tax-free retirement income, indexed universal life, and smarter legacy planning can help you avoid running out of money in retirement. Doug Andrew and the 93 Million team break down the real dangers retirees face—taxes, inflation, market volatility, and poor inheritance planning—and...
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How To Protect Wealth From Stock Market Uncertainty
Discover how market uncertainty, max-funded Indexed Universal Life, and the power of KASH can reshape the way you think about retirement planning and generational wealth. Doug Andrew and the 93 Million team dive into why stock market crashes are impossible to time, yet inevitable over the long…
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IUL Questions Answered: Fees, Taxes, Loans and Retirement (Episode 64)
Discover how a properly structured Indexed Universal Life policy can support liquidity, safety, rate of return, and tax advantages. Doug Andrew and the team answer the most common IUL questions, including how a 1035 exchange can move whole life cash value into an IUL and why indexed crediting is...
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How Max-Funded IUL Creates Tax-Free Retirement Income (Episode 63)
Discover how the LASER Fund uses properly structured Indexed Universal Life to create tax-free retirement income, liquidity, market-loss protection, and long-term wealth transfer. Learn why indexing, rebalancing, policy loans, alternate loans, and the zero-percent floor can make IUL a powerful...
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The Hidden Cost of 401k Fees, Taxes, and Lost Growth (Episode 62)
Discover how opportunity cost can quietly reshape your retirement future. Doug Andrew and his team dive into the real cost of investment fees, 401(k) taxes, IRA withdrawals, taxable accounts, and lost compound growth. Uncover how a properly structured Indexed Universal Life policy can offer...
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How Valuable Is Tax-Free Income With Rising Taxes? (Episode 61)
In this episode, Doug Andrew and the 93 Million panel explain how the national debt, rising taxes, and retirement planning are interconnected. They discuss the potential impact of increased tax rates on IRA and 401k withdrawals, the comparison between tax-free and taxable retirement income, and…
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Choose Your Financial Path: IUL vs IRA, Real Estate & More (Episode 60)
Discover how a properly structured Indexed Universal Life (IUL) policy can create liquidity, reduce tax friction, and protect your financial plan when life gets unpredictable. In this episode, the team use a game-style format to compare IUL, IRA/401k plans, managed investments, bank savings,...
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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...
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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…
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IUL Myths Debunked: Dave Ramsey, Fees, and Cash Value (Episode 57)
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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Why National Debt Could Raise Taxes And How to Prepare (Episode 48)
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…
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2026 Economy, Inflation, Rates: What It Means for Your IUL (Episode 47)
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…
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The 15 Worst Investments Ever (Episode 46)
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…
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Retirement Income Planning: Inflation, Taxes, and the 4% Rule (Episode 45)
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…
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How Emotional Investing Can Wreck Your Financial Plan! (Episode 44)
Discover how emotional investing sabotages retirement plans—and how index-linked IUL strategies can replace panic with peace. Doug Andrew and the team reveal the five emotional investor types that lead to buying high and selling low, then explain how an Indexed Universal Life (IUL) approach can...
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Is Time To Rethink Your 401(k): Fees, Penalties, and Taxes (Episode 43)
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…
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AI vs Financial Advisors, And 1% Fees That Can Rob Your Retirement (Episode 42)
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…
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Stock Market Bubble And Future Tax Hikes (Episode 41)
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…
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Retiree Risk, Rising Taxes and the Power of IUL (Episode 40)
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…
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What Do We Know About Kyle Busch’s $8.5 Million Indexed Universal Life Lawsuit? (Episode 38)
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…
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The LASER Fund Playbook: IUL Growth, Fees, and Protection (Episode 37)
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...