Discover how strategy can outperform panic in today's volatile market. In this episode of 93 Million with Doug Andrew, we break down how the 4% rule limits retirement income, why most investors underperform the market, and how IUL policies provide a better way.

Doug and the team explain:

- Why emotional investing is destroying your returns

- How to use IULs to reset after market crashes

- Why tax-free income beats traditional strategies every time

If you're approaching retirement or simply want to protect what you've built, this episode reveals how a well-designed IUL policy can secure your financial future while others panic.

00:00:00 – How Tariffs Trigger Investor Panic and Opportunity

00:02:53 – The Real Reason the Market Drops So Fast

00:04:00 – Why Most People Panic and Sell at the Bottom

00:07:13 – Average Investors Underperform by 5.5%—Here’s Why

00:10:20 – Strategy vs Emotion: What the Winners Do Differently

00:13:53 – Understanding the 4% Rule and Its Flaws

00:16:11 – How Much You Really Need for Retirement Income

00:20:09 – The Sequence of Returns Can Wreck Your Nest Egg

00:26:13 – Doug’s House of Bricks Strategy for Market Crashes

00:30:17 – Picking the Right IUL Company Isn’t Enough

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