Discover how true compounding—not simple averages—can protect your lifestyle in retirement. Doug Andrew and the 93 Million team reveal how to convert fear into confidence with indexed universal life (IUL), combining tax-free growth, downside protection, and smarter withdrawals.

Uncover how IUL’s zero-percent floor and index crediting help you avoid sequence-of-returns risk while pursuing growth. See why small compounding gains (vs “12% average” hype) can double long-term outcomes, and how properly structured IUL fees stay low over time.

This episode reveals:

- The danger of sequence risk and why averages can mislead

- How a max-funded IUL targets tax-free income with a zero floor

- Real illustrations and statements that debunk “exuberant” IUL fees

Whether you want predictable income, tax advantages, or peace of mind for your family, these insights show how The LASER Fund framework and IUL structure can help you avoid running out of money and retire with confidence.

Timestamps:

00:00:00 — Introduction

00:01:41 — Outliving your money

00:03:03 — Dignity, independence, and why financial self-reliance matters

00:05:20 — Can I retire without returning to work later?

00:11:29 — Average vs compounded returns: the 12 percent myth

00:15:25 — How “12% average” still runs out of money

00:18:10 — Why a 50% rebound can’t fix a 40% crash

00:19:26 — Zero is your hero: IUL’s downside protection floor

00:20:50 — The 93 Million principle

00:22:23 — Safe withdrawals, taxes, and the 4 percent rule update

00:28:20 — How to act: tax-free strategies with Laser Financial

00:30:12 — Advisors: scale with the IUL Insiders Challenge

00:30:21 — IUL fee myths vs reality: see the actual numbers

00:35:12 — Real statements: low costs for young and older clients

00:39:18 — Structure is everything: build IULs the right way

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