93 Million with Doug Andrew
93 Million with Doug Andrew
Podcast Description
There’s a dangerous financial myth that’s quietly costing everyday Americans thousands, possibly millions, over their lifetimes—a myth that’s persisted for decades.
Today’s financial landscape is shifting rapidly, and many are struggling to keep up. With new economic realities emerging faster than ever, outdated financial playbooks could lead you directly into hidden pitfalls. Have you considered what happens when the Trump tax cuts expire? Are you aware of why major financial institutions are quietly repositioning their assets right now? Do you understand how changing regulations could dramatically impact your retirement plans?
Financial gurus like Dave Ramsey dismiss Indexed Universal Life (IUL) as ”crap,” but what if they’re wrong? Misunderstanding IUL might cause you to miss proven strategies the wealthy have successfully leveraged for decades to safely grow their wealth, tax-free and shielded from market crashes.
Doug Andrew introduces a powerful framework he calls the ”3 Dimensions of Authentic Wealth,” encompassing financial wealth, foundational wealth, and intellectual wealth. Taxes are rising, inflation remains unpredictable, and traditional financial advice is often generalized, biased, or limited by available products. It’s critical now to cut through the noise, abandon defensive financial strategies, and start playing to win across all three dimensions.
In ”93 Million with Doug Andrew,” you’ll gain actionable insights into strategies employed by banks, savvy investors, and the ultra-wealthy—strategies that safely compound wealth, lock in gains, and protect your assets during economic downturns. This isn’t theory or hype; it’s backed by real-world examples and actual client results demonstrating the power of properly structured IUL.
Join Doug Andrew and his team of financial experts as they dismantle these and other damaging myths. When you tune into 93 Million with Doug Andrew, you’ll discover simplified but powerful financial concepts designed to empower you in all three dimensions of authentic wealth. Learn precisely how to harness the full potential of Indexed Universal Life, take control of your finances, secure your legacy, and rewrite your financial future starting today.
Podcast Insights
Content Themes
The podcast focuses on challenging financial myths, particularly concerning Indexed Universal Life (IUL) policies, retirement planning, and wealth-building strategies. Episodes explore topics such as tax-free wealth strategies, the realities of traditional retirement accounts like 401(k)s and IRAs, and the secrets of the ultra-wealthy using sophisticated tools like Bank-Owned Life Insurance (BOLI).

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…
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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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
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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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