93 Million with Doug Andrew

93 Million with Doug Andrew

93 Million with Doug Andrew is a business podcast hosted by 3 Dimensional Wealth, with 74 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

3 Dimensional Wealth hosts 93 Million with Doug Andrew, a business show with 74 episodes published.

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  93 Million with Doug Andrew

  Why Retirement Income Matters More Than Your Nest Egg (Episode 78)

  Sep 2, 202619 min

  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 4% rule with a properly structured, max-funded Indexed Universal Life policy, covering: • How inflation and taxes can increase the income you need • Why the 4% rule may require more savings than expected • How IULs can provide tax-advantaged retirement income • How the zero-percent floor and annual resets can help during market downturns • How policy loans can support income without interrupting compounding • How to access an existing LASER Fund while living overseas Whether you’re preparing for retirement, concerned about running out of money, or rethinking your current strategy, this episode offers a practical approach to income, protection, liquidity, and long-term flexibility. Timestamps: 00:01:03 — Nest Egg vs Income 00:02:50 — Retirement Income Formula 00:06:13 — IUL Income Comparison 00:08:51 — Policy Loans and Compounding 00:09:29 — Zero-Percent Floor 00:10:42 — Retirement Market Crash Risk 00:15:56 — IUL Access Overseas 00:17:17 — Set Up Before Moving ---------- 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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  93 Million with Doug Andrew

  401K and IRA Truth: Tax Traps, Market Risk and IUL (Episode 75)

  Aug 12, 202629 min

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  93 Million with Doug Andrew

  Borrow Until You Die: Leverage, Liquidity and Legacy (Episode 74)

  Aug 5, 202636 min

  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 Universal Life insurance may work together to support tax-efficient retirement income and generational wealth. This episode reveals: - Why leverage without a reliable liquidity backstop can destroy a real estate portfolio. - How 1031 exchanges and step-up in basis relate to appreciated property. - How IUL policy loans differ from withdrawals. - Why banks willingly pay interest to access profitable capital. - How policy loans may support tax-advantaged retirement income. - Why proper IUL design, annual reviews, and loan management are essential. Whether you are investing in real estate, preparing for retirement, minimizing taxes, or building a legacy, this conversation shows why controlling liquidity may be just as important as controlling assets. Timestamps: 00:00:00 — Borrow Until Death 00:04:05 — Avoiding Capital Gains 00:06:36 — Understanding 1031 Exchanges 00:07:24 — Step-Up Basis 00:08:48 — Leverage Without Liquidity 00:10:17 — Building Liquidity Reserves 00:11:25 — Productive Interest Payments 00:13:06 — How Banks Leverage 00:17:10 — Deducting Loan Interest 00:20:00 — Surviving the Crash 00:22:21 — Liquidity Failure Stories 00:25:35 — Proper IUL Design 00:29:09 — Leverage With Liquidity 00:30:06 — IUL Policy Loans 00:32:23 — Loans Versus Withdrawals 00:33:46 — Tax-Free Retirement Income 00:34:52 — Strategy Final Summary --- 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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  93 Million with Doug Andrew

  ChatGPT Talks IUL vs Roth , Brokerage, and Term (Episode 73)

  Jul 22, 202642 min

  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 requires more than comparing average rates of return. This episode reveals: - How IUL compares with Roth IRAs and taxable brokerage accounts. - Why market losses can threaten income during retirement. - How a zero-percent floor protects against negative index credits. - Why policy loans may allow cash value to continue earning interest. - How tax-deferred accounts can create a future retirement tax trap. - Why liquidity and tax diversification provide greater financial control. - How preparation creates peace of mind during economic uncertainty Whether you are concerned about retirement taxes, market crashes, sustainable income, or leaving a financial legacy, these insights demonstrate how the L.A.S.E.R. Fund framework is designed to help you protect your wealth and sleep when the wind blows. Timestamps: 00:00:00 — ChatGPT Grades IUL 00:02:33 — IUL Versus Roth IRA 00:05:52 — IUL Versus Brokerage Accounts 00:07:13 — Buy Term Versus IUL 00:09:31 — Retirement Comparison Simulation 00:14:14 — Market Crash Protection 00:15:52 — Tax-Free Retirement Income 00:19:32 — IUL Policy Loan Advantage 00:24:12 — Challenging Traditional Retirement Advice 00:28:28 — The 401(k) Tax Trap 00:35:19 — Sleeping Through Financial Storms 00:38:50 — Building Financial Security ---------- 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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  93 Million with Doug Andrew

  ChatGPT Reviews IUL Break-Even and Policy Riders (Episode 72)

  Jul 15, 202643 min

  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 charges, policy expenses and optional riders. Learn why a properly structured, max-funded IUL may reach its break-even point faster than a traditionally designed policy. Explore how insurance costs change over time, why cash value and surrender value are not always the same, and how to compare gross illustrated returns with the policy’s actual net IRR. This episode reveals: - How to identify a reasonable IUL break-even period - Why internal rate of return matters more than gross projections - How policy fees can change throughout the life of an IUL - Which riders may add value and which may create unnecessary costs - How max-funded policies gradually create self-insurance - Critical-thinking exercises that help children make better decisions - How purposeful family traditions create a lasting legacy Whether you are evaluating an IUL, preparing for tax-advantaged retirement income or looking for ways to strengthen your family, this conversation shows how financial, intellectual and foundational assets can work together to create authentic wealth. Timestamps: 00:00:00 — ChatGPT Grades IUL Questions 00:03:00 — IUL Break-Even Explained 00:09:22 — Measuring IUL Internal Returns 00:15:26 — How IUL Costs Change 00:23:17 — Which IUL Riders Matter 00:28:17 — Chronic Illness Versus Long-Term Care 00:32:53 — Grandpa’s Camp Builds Resilience 00:36:36 — Critical Thinking for Family 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 ----------

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