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 With new economic realities emerging faster than ever, outdated financial playbooks could lead you directly into hidden pitfalls.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 to turn New Year’s resolutions into real financial momentum with Doug Andrew and the 93 Million team. This episode connects the most common goals—health, discipline, and “getting finances in order”—to a strategy built for long-term peace of mind: a properly structured LASER Fund.
Explore the 2026 stock market outlook, including optimism around GDP, inflation trends, and potential rate cuts—plus why markets can still correct without warning. Then learn how an IUL’s zero-floor approach can help protect cash value from market losses while still offering upside participation and tax-advantaged retirement income.
This episode reveals:
– The “pay yourself first” system and how to automate saving 20–30%
– The difference between a regular IUL and a Laser Fund built for efficiency
H- ow policy structure, death benefit costs, and a smart IUL audit impact results
– When a 1035 exchange may help fix a poorly designed policy
If you want tax-free retirement income, downside protection, and clarity on what you own, this conversation shows where to start.
Timestamps:
00:00:03 – Introduction
00:01:22 – New Year’s resolutions for health and finances
00:03:29 – The money resolution most ignore
00:07:21 – Save more money now, automate it and pay yourself first
00:08:45 – Financial stress relief starts with disciplined saving habits
00:13:00 – 2026 stock market outlook: S&P forecasts, GDP, inflation, rates
00:14:20 – Bullish with caution: what could still crash markets
00:20:33 – Max-funded IUL: upside participation with zero-floor protection
00:21:55 – LASER Fund vs IUL explained: properly structured matters
00:24:52 – Laser Fund illustration: $100k per year and tax-free income
00:27:52 – Young saver plan: $500/month toward tax-free retirement
00:31:36 – IUL audit and 1035 exchange to fix costly mistakes
00:33:03 – LASER meaning: Liquid Assets Safely Earning Returns
00:36:19 – Whole life audit reality: hidden costs and reverse engineering
00:38:01 – New Year wrap: organize, save, and protect your future
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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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