Doug Andrew and his team dive into the “93 Million” principle, blending Foundational, Intellectual, and Financial assets with the power of a max-funded Indexed Universal Life (IUL). Learn why going beyond products (the clubs) and focusing on strategies (the swing) leads to abundant, tax-free retirement outcomes.

Uncover how IUL’s zero-percent floor, lock-in, and annual reset preserve what you’ve built from market downturns—then capture growth. See why sequence of returns devastates “average return” plans and how indexing reframes the math in your favor.

This episode reveals:

- The math behind drawdowns—and why zero can be a hero

- How IUL vs Whole Life compares on IRR, costs, and tax-free income

- Real-world rebound years after crashes and what “reset” really means

If you want tax advantages, compounding, and peace of mind, the L.A.S.E.R. Fund framework can transform your future.

Timestamps:

00:00:00 — The villainy of volatility and why zero can win

00:01:22 — 2008 crash truth: rebounds don’t erase drawdowns

00:03:28 — Losses need bigger gains: the compounding reality check

00:05:40 — Sequence of returns risk ruins “average return” plans

00:07:42 — Don’t lose money: protect first, then pursue gains

00:09:28 — Indexing 101: zero floor, caps, and annual reset

00:10:56 — Lock in gains, reset low, ride recoveries smarter

00:12:36 — Case study: COVID drop to 61% credited rebound

00:16:58 — Up 50, down 50: why indexing still wins

00:20:58 — Why IUL demand surged and whole life lagged

00:24:22 — Self-insure, shrink policy costs

00:31:24 — Side-by-side: whole life vs IUL income outcomes

00:34:28 — IRR reality: tiny fee drags compound into millions

00:39:22 — Owner’s view: predictable dividends vs indexed upside

00:41:18 — Parable of talents: burying money vs compounding

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Discover how Indexed Universal Life (IUL) can transform your small business and retirement. Doug Andrew and his team dive into the power of a properly structured IUL, blending liquidity, safety, and tax-free growth with the discipline of a family bank. Learn why a working capital account in an IUL can earn a higher rate of return than a traditional bank.

Uncover the truth about the IRA and 401(k) tax trap and why deferring taxes is really just a form of tax procrastination that can cost you dearly in retirement. Discover how to avoid Required Minimum Distributions (RMDs) and prevent your kids from inheriting a tax nightmare.

This episode reveals:

• The hidden dangers of traditional retirement accounts and how to escape the tax trap.

• Why a family bank is about more than just money—it's a system for passing on Knowledge, Attitude, Skills, and Habits (K-A-S-H) to future generations.

• How a properly funded IUL can provide tax-free income, protect against market volatility, and serve as a powerful financial tool for your business.

Whether you're an entrepreneur, a retiree, or a financial professional, these insights will show you how to build, grow, and protect your wealth for life.

Timestamps:

00:01:20: Discover how an IUL helps your small business grow.

00:03:38: Learn how a working capital account generates tax-free wealth.

00:07:00: Stop lazy, idle money from driving entrepreneurs crazy.

00:11:28: Exposing the IRA and 401k tax trap.

00:13:59: How deferring taxes hands over your future to the government.

00:17:01: Why IRAs make your Social Security and Medicare taxable.

00:22:07: The worst retirement advice is just taking RMDs.

00:26:51: What's a family bank and should you have one?

00:32:00: Learn the three dimensions of authentic wealth.

00:34:40: The difference between financial cash and intellectual KASH.

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Discover how inflation, taxes, and longevity threaten retirement—and how Indexed Universal Life (IUL) can protect you. Doug Andrew and his team reveal why the old “Buy Term and Invest the Difference” advice fails, and how the “93 Million” principle works to preserve wealth with tax-free growth.

Learn why relying on the 4% rule, Social Security, or outdated strategies leaves you vulnerable. Instead, see how max-funded IULs outpace inflation, create predictable retirement income, and shield your savings from market downturns.

This episode reveals:

- Why inflation is the silent thief destroying middle-class retirement

- How a properly structured IUL beats BTID with tax-free growth

- Why longer life expectancy means new retirement strategies are critical

- The broken promise of Social Security and the 4% rule

Whether you want compound growth, inflation-proof strategies, or peace of mind for your family, this episode shows how the L.A.S.E.R. Fund framework can transform your future.

00:01:19 | Inflation news explained and why it matters for retirees

00:02:59 | How inflation erodes purchasing power in retirement

00:04:46 | Indexed Universal Life as an inflation hedge

00:06:19 | Why inflation and taxes eliminate the middle class

00:09:38 | Buy Term and Invest the Difference explained

00:12:44 | Hidden opportunity cost of term life insurance

00:15:28 | Why max-funded IUL outperforms tax-deferred accounts

00:19:02 | Doug Andrew: From BTID advocate to IUL strategist

00:24:15 | Rising life expectancy and retirement planning risks

00:29:07 | Why the 4% rule fails modern retirees

00:31:27 | Social Security insolvency and government strain

00:33:55 | Best financial firm? Focus on strategy, not company

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----------

Discover how retirement account fees and taxes drain millions from your savings — and how the L.A.S.E.R. Fund can change your future. Doug Andrew and his team unpack why a properly structured Indexed Universal Life (IUL) beats traditional accounts, offering tax-free growth, zero-loss market protection, and minimal fees.

Uncover why most retirees unknowingly pay fees on Uncle Sam’s share, how to avoid the $1M+ lifetime fee trap, and why correct IUL structuring flips the script on Dave Ramsey’s misconceptions.

In this episode you’ll learn:

- How traditional accounts can lose over $3M to fees and taxes

- Why IUL costs less than 0.5% over time while providing a death benefit

- How to structure policies for long-term tax-free income

- The benefits of “Vacations with a Purpose” for family unity and tax deductions

Whether you want tax advantages, security, or a lasting legacy, this strategy protects what you’ve built.

Timestamps:

00:01:35 – The shocking lifetime cost of retirement account fees revealed

00:03:23 – How 1% annual fees can drain nearly $1M from savings

00:06:32 – Why advisors still profit when your portfolio loses value

00:09:27 – Comparing IUL vs traditional accounts: who wins after 55 years

00:13:19 – How taxes and fees cut a $6M nest egg in half

00:15:56 – Real IUL statement proves Dave Ramsey wrong on policy costs

00:17:36 – The right way vs wrong way to structure an IUL

00:20:08 – Why you can’t fully self-insure from day one

00:26:33 – How “Vacations with a Purpose” build family unity and wealth

00:33:23 – Finding certified IUL advisors to protect your retirement

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Unlock the new 2021 L.A.S.E.R. fund advantage and future-proof your finances. Doug Andrew’s crew unpacks the three dimensions of Authentic Wealth, showing how a max-funded Indexed Universal Life (IUL) harnesses tax-free growth, a zero-percent floor, and Congress-proof grandfathering.

Feel the relief of compounding without IRS erosion, lower internal costs, and smarter indexing that captures upside—never downturns.

Now that you see the stakes, this episode reveals:

- The 33 % fee cut hidden in 2021’s 7702 revision

- How a policy audit grades your “bucket proficiency” in minutes

- Why the average earner surrenders $575k to taxes—and how to avoid it

Whether you want secure retirement income, tax diversification, or a dependable legacy, these insights show why the L.A.S.E.R. Fund framework can transform your future.

Timestamps:

00:00:00 - Introduction

00:02:06 - Will Congress strip life-insurance perks?

00:05:12 - 2021 rule slashes IUL fees 33 %—why timing matters now

00:10:29 - Cash value equals death benefit in 10 years: see the math

00:14:23 - Shocking lifetime tax bill

00:20:24 - Tax-free compounding: why 40–60 % of income should vanish from 1040s

00:24:34 - Case study: perfect vs. broken IUL—fees, growth, policy death spiral

00:32:00 - Audit tool demo

00:36:30 - Sleep-better wealth strategy

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Balance your life and future finances with predictability. Doug Andrew’s 93 Million crew explores the need for control and how a max-funded Indexed Universal Life (IUL) delivers it. From locking in gains with a zero-percent floor to using 1035 exchanges that turbo-charge under-performing policies, this episode shows you how to turn chaos into calm.

Uncover the zero-loss, tax-free growth strategy that shelters you from market crashes while compounding gains you never have to give back.

Now that you can see the power of financial predictability, this episode reveals:

- Why 1035 exchanges rescue cash-strapped whole-life and UL contracts

- How positive loan arbitrage lets you earn while you borrow

- The simple audit that guarantees you never outlive retirement income

Seeking tax advantages, steady growth, or peace of mind? Learn how the Laser Fund framework transforms uncertainty into lasting abundance.

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Discover why half of Americans stumble on basic financial questions – and how you can avoid the same fate. Doug Andrew and his team dive into “funny math” to highlight the serious gaps in financial literacy. They then unveil how a max-funded Indexed Universal Life (IUL) policy can do what traditional plans can’t: provide tax-free, compound growth for both college savings and retirement. Learn why going beyond the ordinary 529 plan and leveraging an IUL’s unique features leads to greater flexibility and a richer outcome.

Uncover how an IUL’s zero-percent floor (no market losses) and policy loan options let you fund education without ever sacrificing your nest egg’s growth. Hear real strategies for beating inflation, minimizing taxes, and building a legacy – all while protecting your loved ones and enjoying peace of mind.

Now that you see what’s possible, this episode reveals:

- Why financial literacy is lacking in America and the costly consequences of not understanding interest, inflation, and taxes

- How a max-funded IUL can pay for college (tax-free!) and still accumulate wealth for your retirement – a strategy banks and 529 plans won’t tell you about

- Insights from a 3-question money quiz most adults fail, and what the correct answers mean for your financial future

Whether you’re a high-income earner, a business owner, or just starting your financial journey, these insights will help you outpace inflation, eliminate unnecessary taxes, and create authentic wealth that stands the test of time.

00:00:00 – The 93 Million Promise: Triple‑Shield Wealth Hack

00:01:27 – Could 14 × 5 Actually Equal 25?

00:02:14 – Are You in the 50% Failing Finance?

00:03:08 – Why Schools Hide the Money Rulebook

00:09:50 – Parents’ Secret to Million‑Dollar Math

00:10:16 – IUL vs 529: Which Funds College Free?

00:15:40 – Pay Tuition Without Touching Savings

00:19:10 – Borrow at 5%, Earn at 8%—Legally

00:23:50 – Is a Degree Still Worth the Price Tag?

00:29:48 – Can You Ace the 3‑Question Money Test?

00:35:10 – Inflation’s Silent Tax on Your Wallet

00:37:40 – The Single‑Stock Gamble Investors Regret

00:40:30 – Your Next Move Toward Tax‑Free Wealth

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Wondering how the “Big Beautiful Bill” will really impact your portfolio? In this episode of 93 Million, Doug Andrew and team dissect bullish and bearish S&P 500 forecasts, then prove why an equity‑indexed, max‑funded IUL can thrive no matter what. Learn how the zero‑is‑a‑hero floor protected clients from 2022’s 20 % drop and delivered a 61 % tax‑free rebound the very next year. Doug’s “Three Fishermen” riddle exposes common accounting blind spots that drain retirement wealth. Discover strategies to convert volatile, taxable accounts into predictable, tax‑free cash flow, build emergency reserves, and avoid get‑rich‑quick pitfalls. Perfect for investors and advisors seeking growth, safety, and stress‑free nights.

Now that you understand bullish vs. bearish noise, this episode reveals:

- How indexing locks gains and never participates in losses

- Proven 7‑8 % average returns you can actually keep

- Simple steps to convert taxable IRAs into tax‑free wealth

Whether you crave predictable retirement income, crash‑proof compounding, or a blueprint clients can trust, these insights show how a L.A.S.E.R. Fund framework secures your future.

00:00:00 – Big Beautiful Bill passes: what it means for investors now

00:01:34 – Bullish vs bearish S&P 500 forecasts—who should you trust?

00:04:05 – Zero‑is‑a‑Hero: indexing shields your principal from crashes

00:07:35 – 2022 crash case study: 0 % loss, 61 % rebound tax‑free

00:11:12 – Why market recoveries are the only predictable moments

00:16:15 – Free Laser Financial consultation: turning theory into action

00:17:41 – Three Fishermen riddle exposes costly accounting blind spots

00:22:21 – Nearsighted tax advice: the hidden danger of deferral

00:27:03 – Lost money online? Three questions wealthy investors ask first

00:32:15 – Create predictability, learn from the past—your next steps

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Explore how permanent Trump tax cuts can impact your retirement and tax strategy. Doug Andrew and the 93 Million team analyze how predictable tax policy can fuel economic growth, reduce volatility, and affect tools like Indexed Universal Life (IUL) and annuities. Learn the power of strategic IRA rollouts and why following the herd may be your biggest financial mistake. Hear how a properly structured IUL delivers tax-free income and security in uncertain times.

Then, uncover legacy wisdom from Grandpa’s Camp—a family tradition that teaches responsibility, leadership, and values for the rising generation.

In this episode:

- Why predictable tax policy stimulates markets and protects retirements

- How to convert IRAs and 401(k)s for tax-free growth using IUL

- When to use annuities for guaranteed income and peace of mind

- Building a legacy through intentional family traditions

Timestamps:

00:01:09 – Trump Tax Cuts Made Permanent: What You Need to Know

00:03:00 – How Tax Bracket Increases Could Hurt Middle Class

00:04:20 – Why Predictability Is the Market's Superpower

00:05:17 – $18 Trillion in Cash: Will It Return to Markets?

00:06:51 – Are the CBO Projections About GDP Wrong Again?

00:08:28 – Raise Tax Revenue Without Raising Taxes

00:09:22 – The Herd Mentality That’s Destroying Retirements

00:12:04 – Strategic IRA Rollouts Explained for Lower Taxes

00:14:14 – How to Escape the 401(k) Trap Now

00:18:08 – Why No One Wants to Touch Entitlements

00:20:00 – What Most People Don't Know About Annuities

00:25:00 – When Annuities Actually Make Sense

00:30:00 – Doug’s L.A.S.E.R. Test: IUL vs Annuity

00:33:24 – Grandpa’s Camp: Teaching Legacy and Leadership

00:38:52 – How Grandparents Can Inspire Real Transformation

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Discover how tax diversification balances your retirement and fortifies your finances. Doug Andrew’s team exposes the hidden pitfalls of IRAs and 401k plans, then unveils the power of a max-funded Indexed Universal Life (IUL). Learn why shifting from tax-deferred “clubs” to tax-free “swing” strategies unlocks abundant, risk-protected growth.

Uncover how IUL’s zero-percent floor and smarter indexing shield your wealth from market drops and looming tax hikes. Reveal the joy of keeping more, passing more, and building a legacy immune to government debt.

Now that you see the cost of tax traps, this episode reveals:

- The true strings attached to qualified accounts and RMD penalties

- How an IUL delivers lifelong, tax-free income and legacy benefits

- Real savings stories—six-figure tax cuts achieved in five years

Whether you fear rising rates or crave peace of mind, these insights show how the Laser Fund framework can transform your future.

00:00:00 – Meet the experts exposing retirement account tax traps and hidden fees

00:02:21 – Qualified account “benefits” unravelled: penalties, limits, government control explained

00:07:21 – Shocking math: national debt could DOUBLE your income tax rate

00:14:47 – How IUL turns market gains into tax-free, loss-proof growth

00:16:29 – Wisdom Table: Is your entire portfolio bleeding future taxes?

00:18:50 – Cut lifetime tax bills 40 % with proactive rollouts and conversions

00:24:02 – Case study saves $31K yearly—no freakin’ tax in tax-free

00:27:18 – Next steps: free consultation and IUL Challenge invitation

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