3 Dimensional Wealth Radio

Recently, Doug Andrew recorded a series of 21 videos for his 3 Dimensional Wealth YouTube channel. The videos provide answers to questions Doug has fielded regarding his favorite money accumulation vehicle. A common follow up question is how his favorite vehicle differs from whole life insurance.

In his more than 46 years of being a financial strategist and retirement planning specialist, Doug’s favorite vehicle has stood out from all others. Ironically, the financial services industry won’t let you call it an investment.

Doug is fine with that. Because investments will be taxed sooner or later. This includes IRAs and 401(k)s that will be taxed when you start accessing your money. By contrast, Doug’s favorite vehicle allows you to accumulate your money tax-free, to access your money tax-free for the rest of your life.

CHECK OUT THIS SNAPSHOT OF SOME OF THE TOPICS COVERED THIS WEEK:

* What does Doug’s favorite money accumulation vehicle have that a Roth IRA doesn’t? Learn about the 2 similarities and the 4 additional features it offers that a Roth doesn’t.

* Why is tax-free accumulation and access so superior to taxed-as-earned or tax-deferred? Discover what many people will learn too late about how they’ll be handing over roughly a third of their nest egg to Uncle Sam.

* How does Doug’s favorite vehicle compare to savings vehicles? Doug explain what a maximum-funded, tax-advantaged and indexed universal life insurance contract (structured properly) can do for you.

* What is the fundamental difference between universal and whole life insurance? Learn how only one can be structured to provide living benefits instead of simply a death benefit.

* Is there a way to accumulate your nest egg tax-free, and also to access that money tax-free without paying through the nose? Doug shares how this is not only possible but the proper vehicle blossoms in value at the end of your life and transfers tax-free to your survivors.

* How does this money accumulation vehicle handle market volatility like we’ve seen lately? Doug spells out the advantages of being able to enjoy an upside when the market grows without losing principal during market downturns.

* And much, much more…

Start by visiting with a IUL Specialist today.

What If You Could Make Your Money Work as Hard as You, Without Additional Risk? Click Here Get Your FREE Copy of The LASER Fund Today….

*Life insurance policies are not investments and, accordingly, should not be purchased as an investment.

What’s the minimum amount that I can invest to become a millionaire? It’s a question that Doug Andrew hears on occasion from subscribers to his 3 Dimensional Wealth YouTube channel. The answer, as Doug explains in this week’s episode, could be a surprisingly small amount–around $500 per month.

Now obviously there are other critical factors that play into this. They include the amount of time you have to let it accumulate, the amount you put in and the rate of return. Doug also points out that folks who are serious about becoming multimillionaires should really be thinking about the highest amount they can put away rather than the minimum.

You have to be willing to do the math. As Doug explains, the vehicle in which you save this money will make a world of difference too. Will it accumulate in a taxed-as-earned, tax-deferred or tax-free account? The right vehicle, combined with compound interest, can make amazing things happen.

HERE’S A SNEAK PREVIEW OF WHAT DOUG SHARES IN THIS WEEK’S BROADCAST:

* Why is the taxability of your long term savings so essential to your financial future? Learn the astounding difference between tax-advantaged saving and everything else.

* How does saving in an IRA or 401(k) set you up for a future loss of nearly 1/3 of every dime you’ve saved? As Doug explains, Uncle Sam is waiting for you to start accessing your money so he can get his cut.

* What is the risk of outliving your retirement nest egg? Doug lays out the danger of tax-deferred savings as well as how to protect that nest egg with tax-free accumulation.

* Is there a difference between planning for retirement and the planning you’ll need at retirement? Learn why you must choose your investments accordingly to maximize what they’ll be producing when you’re retired.

* What is indexing and why should it be a part of your financial strategy? Doug shares how to benefit from those times the market grows without losing money when the market contracts.

* How can you know that your savings are protected from higher taxes, rising inflation and ongoing market volatility? Doug describes his preferred savings vehicle and why it’s a better way.

* And much, much more…

Start by visiting with a IUL Specialist today.

What If You Could Make Your Money Work as Hard as You, Without Additional Risk? Click Here Get Your FREE Copy of The LASER Fund Today….

*Life insurance policies are not investments and, accordingly, should not be purchased as an investment.

Do you have to be rich to own what many savvy CPAs and even tax attorneys call the “rich man’s Roth”? This is a question that Doug Andrew occasionally hears from viewers of his YouTube channel. In this week’s episode, you’ll learn what this savings vehicle is and why it makes sense to so many.

One reason this question arises is because rich people cannot qualify for the tax-advantaged Roth IRA because they make too much money. There is however a savings vehicle Doug recommends that can provide the two major advantages of a Roth plus four additional benefits that the Roth does not have.

The two basic benefits of a Roth are 1.) the ability to take after-tax money that accumulates tax-free. And 2.) when you go to access that money, upon reaching retirement, you can then access it tax-free because you already paid the taxes up front. Doug explains the history of the Roth and then describes an ever better alternative you may wish to consider.

CHECK OUT THIS SNAPSHOT OF JUST A FEW OF THE TOPICS COVERED THIS WEEK:

* What is the benefit of paying taxes on your seed money rather than paying them on your harvest? This farmer analogy is a powerful tool to illustrate the power of tax-free saving over tax-deferred saving.

* Why should anyone with an IRA or 401(k) give serious consideration to making the switch to tax-advantaged saving? Doug explains how understanding this difference between vehicles could pay off handsomely at retirement.

* How do so many people fail to find themselves in a lower tax bracket upon reaching retirement? Discover how we inadvertently set ourselves up for a bad case of “deduction reduction.”

* What is the danger in following the herd by saving in an IRA or 401(k)? Doug explains why the financial industry has been slow to admit that these may not be the optimal savings vehicles they were once considered.

* Is there a downside to qualified plans like the IRA and 401(k)? Learn how many strings are attached to your money when accumulating it in one of these accounts.

* Are there ways to keep your money safe from governments that are hungry for more tax dollars to pay for their increased spending? Doug shares the reasons why the traditional retirement accounts of many are looking very tempting to spend-happy politicians.

* And much, much more…

Start by visiting with a IUL Specialist today.

What If You Could Make Your Money Work as Hard as You, Without Additional Risk? Click Here Get Your FREE Copy of The LASER Fund Today….

*Life insurance policies are not investments and, accordingly, should not be purchased as an investment.

Among the more common questions that Doug Andrew hears from his listeners, customers and students, is the question regarding a person’s options with their IRA when they are already retired, newly retired or about to retire.

In particular, many of them want to know if there is a better way to grow and protect their nest egg than keeping it in a tax-deferred vehicle like their IRA. Today, Doug will introduce you to the IUL, a tax-advantaged savings vehicle that savvy CPAs and tax attorneys refer to as the “rich man’s Roth.”

Of course, that name makes Doug chuckle because you don’t have to be rich to have an IUL. The reason the rich can’t have a Roth IRA is because they make too much money. If you’re serious about getting your taxes over and done with and then growing and being able to access your nest egg tax-free, this is information you’ll find very helpful.

HERE IS A SNEAK PEEK OF SOME OF THE TOPICS DOUG COVERS IN TODAY’S BROADCAST:

* What exactly is an IUL and why should I consider it? Doug explains how it is likely the best tax-free vehicle in the Internal Revenue code.

* Why is it important to financially plan for being “at retirement” in addition to your planning “for retirement”? Doug shares one of his greatest strategies for people who are at retirement as well as near retirement.

* What is a strategic rollout and why is it worth considering if you have an IRA or 401(k)? Learn about the advantages of tax-free vs tax-deferred saving and how to make the switch if you’re currently in an IRA or 401(k).

* Why do so many people suffer from what Doug calls “deduction reduction” upon reaching retirement? Learn the essential truth about why so many people don’t find themselves in a lower tax bracket at retirement.

* Why is now an especially opportune time for people with IRAs and 401(k)s to consider doing a strategic rollout? Doug spells out how if you just saw the value of yours just take a noticeable dip in the recent market volatility, then there’s less value to be taxed in a rollout.

* Are today’s tax rates likely to be the lowest we’ll be seeing for a while? With the unprecedented federal spending that’s taking place, Doug explains why taxes aren’t likely to go anywhere but higher.

* And much, much more…

Start by visiting with a IUL Specialist today.

What If You Could Make Your Money Work as Hard as You, Without Additional Risk? Click Here Get Your FREE Copy of The LASER Fund Today….

*Life insurance policies are not investments and, accordingly, should not be purchased as an investment.

In the last month, Doug Andrew has been asked by his YouTube channel viewers whether they should take advantage of the 401(k) no-penalty withdrawals that are allowed under the COVID-19 stimulus rules. In today’s broadcast, Doug will address this question in depth.

This is a unique opportunity for those who have their savings in a 401(k) or other tax-deferred savings vehicle. What many of these folks don’t yet realize is that they are in for a shock upon reaching retirement because the advantages of tax-deferred savings are outweighed by other, less desirable consequences.

Many of them will discover, the hard way, they are aren’t in a lower tax bracket when they retire. Doug spells out why that has not been true for more than 25 years now as well as what they can do to improve their situation.

HERE’S A SNAPSHOT OF JUST SOME OF THE SUBJECTS DOUG COVERS IN THIS EPISODE:

* Why do so many people get duped into putting their money into tax-deferred accounts like 401(k)s and IRAs? Doug explains how tax-deferred saving is like going down the highway with one foot on the gas and one on the brake.

* What happens to the deductions that so many people are counting on to keep them in a low tax bracket at retirement? Learn how we unwittingly rid ourselves of our biggest deductions right before the time we’ll need them most.

* How will the trillions of dollars being spent on economic stimulus affect your retirement savings? Doug shares the stark reality that higher government spending can only lead to higher future taxes to pay for it.

* Is there an alternative to deferring or postponing your taxes until you start withdrawing your retirement income? Doug shares his favorite savings vehicles for getting those taxes over and done with and accumulating your money tax-free from then on.

* Did the recent market crash create an opportunity for those who wish to use a strategic rollout to get their money out of IRAs and 401(k)s and into tax-advantaged savings vehicles? Discover how the time for such a move is when the market has taken a big hit and there’s less in your account to be taxed.

* What are the Congressional Budget Office and General Accountability Office saying about how much higher taxes might be going? If 33% was enough to raise your eyebrows, you’ll want to have a seat before you hear what the projected numbers are.

* And much, much more…

Start by visiting with a IUL Specialist today.

What If You Could Make Your Money Work as Hard as You, Without Additional Risk? Click Here Get Your FREE Copy of The LASER Fund Today….

*Life insurance policies are not investments and, accordingly, should not be purchased as an investment.

As a retirement strategist and financial planning specialist for more than 45 years, one of the most common questions that Doug Andrew hears from his students is, “Why isn’t everyone doing this?”

They’re referring to Doug’s proven strategies of smart safe ways of earning money for long-term goals such as retirement, while earning tax-free average returns in the 7-10% range. There’s a good reason this question comes up.

They understand that for every million dollars that they accumulate, this will generate $70,000-$100,000 a year of tax-free income.

You’d think that every financial advisor would be on top of information like this. But, as Doug explains, a kind of herd mentality can keep financial advisors, tax attorneys and even accountants in the dark. You’ll learn why Doug’s book “The LASER Fund” spells out how you can utilize this savings vehicle and start building your wealth.

HERE IS A SNEAK PREVIEW OF JUST A FEW OF THE SUBJECTS DOUG COVERS IN THIS EPISODE:

* Why don’t more people utilize Doug’s strategies for liquid assets safely earning tax-free predictable rates of return? Doug gives 10 reasons why their financial advisors haven’t told them about these strategies.

* How does lack of awareness cost us in the long run? Discover how what we don’t know that we don’t know can limit our options unnecessarily.

* Why do so many people, including financial advisors, take the path of least resistance? Doug shares a story from his childhood that illustrates how this mentality costs us.

* What do people with money in IRAs and 401(k)s need to know about the LASER Fund? Doug explains the incredible difference between tax-deferred and tax-free income and how it can impact our retirement.

* If you could have Phil Mickelson’s golf swing or his golf clubs, which would you choose? Doug has a powerful analogy of the kind of knowledge that will help them and their children secure a brighter future.

* What is a maximum funded tax-advantaged life insurance contract and what kind of difference could it make how you prepare for retirement. Doug lays out the details and advantages of his preferred savings vehicle.

* And much, much more…

Start by visiting with a IUL Specialist today.

What If You Could Make Your Money Work as Hard as You, Without Additional Risk? Click Here Get Your FREE Copy of The LASER Fund Today….

*Life insurance policies are not investments and, accordingly, should not be purchased as an investment.

Do you understand how to have your money safely earning more money? In order for this happen, most of us must first transform ourselves financially.

Doug has often used the examples of what people are willing to pay for a cup of Starbucks coffee or a bottle of water as evidence that we’re willing to pay more for things in which we perceive greater value. It’s something you can read about in detail in the book “The Experience Economy”.

What starts with a handful of coffee beans that represent only a few cents in value is transformed into a $4-$5 cup of specialty coffee that comes with camaraderie of the unique experience of an internet cafe. Likewise, a bottle of drinking water on a hot day can cost more on a gallon to gallon basis than premium gasoline, depending upon the experience the customer is having.

The bottom line is that people value a unique experience and are typically willing to pay extra for it. But as Doug Andrew explains, the one thing that people value more than a unique experience is a meaningful transformation.

CHECK OUT THIS SNEAK PEEK OF SOME OF THE TOPICS COVERED IN THIS EPISODE:

* How do you transform yourself financially? As Doug explains, it comes down to more than just a unique product.

* When is the last time you had a unique experience in becoming better educated financially? Doug shares some of the educational experiences he provides for those who are ready for a meaningful transformation.

* What does the transformation process look like? Learn about Doug’s 8 step truth wealth transformation that has helped thousands of people transform themselves financially.

* How does this transformation benefit those who choose to undergo it? Imagine the peace of mind and confidence to face the future in knowing that you will not outlive your retirement money.

* Why is it so essential to know the difference between tax-deferred and tax-free accumulation? As Doug explains, it could mean double or more net spendable income during retirement.

* How much time is required to become better educated on this financial transformation? You’ll be pleasantly surprised to learn how few hours are needed to set in motion a lifelong transformation.

* And much, much more…

Start by visiting with a IUL Specialist today.

What If You Could Make Your Money Work as Hard as You, Without Additional Risk? Click Here Get Your FREE Copy of The LASER Fund Today….

*Life insurance policies are not investments and, accordingly, should not be purchased as an investment.

What is the essential difference between socialism and capitalism? Doug Andrew believes it really comes down to the scarcity versus abundance mindset.

Understanding this difference is an indispensable part of taking charge of your financial future, including your own retirement, not outliving your money and, more importantly, not depending upon the government to support you.

Remember that capitalism was given its name by its enemies–people like Karl Marx who believe it was evil to capitalize on people’s needs and wants. Perhaps it should have really been named cooperation.

Doug has some solid examples of how cooperation has benefited humanity throughout recorded time by allowing people to meet one another’s needs in such a way that all parties are able to prosper. Of course, historically, as that prosperity has taken place, governments have been quick to step in and regulate in order to get a piece of the action.

As Doug explains socialism insists that the future must pay for the past. This means putting burdens on future generations to pay for what has been done in the past. This can take the form of handouts, reparations or simply redistribution of what others have earned.

How can one avoid falling into this mindset?

HERE IS A PREVIEW OF JUST OF FEW OF THE IDEAS DOUG SHARES IN THIS EPISODE:

* Why do those with a socialist mindset love to hear about the prospect of government stimulus in the economy? Doug explains how this becomes a prime opportunity to take from some in order to give to others.

* How do these socialist programs affect your future financial wellbeing? Learn why massive government spending has a direct impact on taxes, inflation and even market volatility.

* What is the primary difference between a scarcity mindset and an abundance mindset? Doug shares the primary characteristics of each and explains how only one is conducive to authentic wealth.

* What is the scarcity spiral and how does envy feed it? Discover the danger of comparing oneself to others and how this can cultivate negative attitudes that limit our own ability to grow and develop.

* Why is it so dangerous to believe that everyone’s results must come out equal? Doug spells out how “fairness” becomes perverted under the socialist mindset and why it will never make everyone happy.

* Would taking from those who produce ever create real equality or prosperity? Don’t kid yourself, says Doug, the people who understand authentic wealth think and act differently than those who do not.

* And much, much more…

Start by visiting with a IUL Specialist today.

What If You Could Make Your Money Work as Hard as You, Without Additional Risk? Click Here Get Your FREE Copy of The LASER Fund Today….

*Life insurance policies are not investments and, accordingly, should not be purchased as an investment.

Time and again, Doug Andrew is asked the question: What is a proven process to become wealthy?

To answer this question, it’s essential to first understand that wealth is far more than just money. As Doug explains, there is a unique process, which he has helped thousands of people to go through, to predictably end up with a meaningful transformation within the 3 dimensions of authentic wealth.

Much of the inspiration for this remarkable process, came when Doug read the book “The Experience Economy.”

In this book, the authors talk about the concept that people will pay more for those goods or services that they perceive have higher value. The better the experience, the more they are willing to pay for it.

Doug shares a couple of highly relatable examples using how people go about choosing where to get their coffee as well as his experience with a water purification facility. Once we understand the extra value that has been imparted to these simple commodities, we start to grasp why people are willing to pay so much more for the convenience and overall experience.

CHECK OUT THIS SNEAK PEEK AT JUST A FEW OF THE TOPICS COVERED THIS WEEK:

* Why are we willing to pay a couple of dollars for a bottle of water that we could just as easily drink for free from a drinking fountain? Doug spells out how that bottle of water is worth what we pay for its convenience.

* What is of higher value than either a commodity or a unique experience? Doug explains how a meaningful transformation creates even greater value for ourselves and our loved ones.

* How much would it be worth to you to free yourself from dis-ease? As Doug points out, answering this question encompasses much more than simple health concerns over Covid-19.

* Why do higher taxes, rising inflation and ongoing market volatility cause us so much financial dis-ease? Learn how to build your immunity to these financial maladies.

* How can you make the meaningful transformation that puts you in a position of strength and protects you from these financial illnesses? Doug outlines his 8 step program that has been helping his clients and students for decades.

* Should you save in a 401(k) or pay off your house? Doug offers some very timely advice that will keep you from barking up the wrong tree on these matters.

* And much, much more…

Start by visiting with a IUL Specialist today.

What If You Could Make Your Money Work as Hard as You, Without Additional Risk? Click Here Get Your FREE Copy of The LASER Fund Today….

*Life insurance policies are not investments and, accordingly, should not be purchased as an investment.

People who are interested in optimizing their financial assets while minimizing taxes have found a powerful resource in Doug Andrew’s 3 Dimensional Wealth YouTube channel. Each day Doug answers, in depth, a question that is being asked by his clients, students, listeners and viewers.

As you might imagine, there are a lot of people with questions about the topsy turvy market and what they can do to avoid financial ruin. After all, they’ve watched the market lose nearly a third of its value since mid-February when it was nearing 30,000, only to plunge to around 20,000 since then.

One of their major concerns is how they’ll get back to where they can break even.

This is more difficult than it sounds at first blush because making up a 33% loss requires more than a 50% gain to make up for those lost months and years of growth. Likewise, a 50% loss requires a 100% gain to get back to break even.

You may be wondering if it’s even possible not to lose money in a time of market volatility. Doug has an encouraging and decisive answer to this question.

HERE IS A QUICK PREVIEW OF JUST A FEW OF THE TOPICS COVERED IN THIS WEEK’S BROADCAST:

* What is one positive aspect of a market crash like the one we’ve just seen? Doug explains how it shocks people out of complacency and gives the the opportunity to examine strategies they’ve not considered before.

* How is it possible to enjoy gains when the market grows but not lose money when it contracts? Doug lays out the difference between having your money safely indexed to the market instead of at risk in the market.

* What’s the difference between indexing and indexed funds? Learn the crucial difference and how indexing protects your serious cash from market volatility.

* Where does the insurance industry and many banks keep their tier 1 assets in order to protect themselves during times of market uncertainty? Doug’s answer may surprise and enlighten you at the same time.

* Why did legal reserve insurance companies easily survive the Great Depression and what can we learn from their examples? Doug shares the reasons why they’ve historically come through with flying colors.

* Can you enjoy liquidity, safety and predictable rates of return with your retirement nest egg? Discover the advantages, tax-wise and safety wise of the LASER fund.

* And much, much more…

Start by visiting with a IUL Specialist today.

What If You Could Make Your Money Work as Hard as You, Without Additional Risk? Click Here Get Your FREE Copy of The LASER Fund Today….

*Life insurance policies are not investments and, accordingly, should not be purchased as an investment.