93 Million with Doug Andrew

Discover how the Three Dimensions of Authentic Wealth can balance your life and fortify your finances. Doug Andrew and his team dive into the LASER Test—blending Liquidity, Safety, and Rate of Return with powerful tax advantages using a properly structured, max-funded Indexed Universal Life (IUL). Learn why going beyond products (the clubs) and focusing on strategies (the swing) leads to abundant,...

Discover how strategic tax planning and modern life insurance design can fortify your retirement. Doug Andrew and team demystify the “seed vs harvest” tax choice and show how a properly structured IUL (LASER Fund) turns compounding into tax-free income. Learn how TEFRA/DEFRA/TAMRA and Section 7702 enable efficient designs that protect growth and legacy. Uncover how smart policy loans keep money co...

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 b...

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)...

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 Learn why relying on the 4% rule, Social Security, or outdated strategies leaves you vulnerable.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...

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 av...

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...

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 t...

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...

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 ...

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 structur...

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 indexin...

Discover how crushing debt and looming tax hikes could threaten your wealth – and learn the strategies to fight back. Doug Andrew and his team expose the pitfalls of traditional pay-off-your-house advice and unveil a smarter path to debt-free living that preserves your liquidity and sanity. Explore why America’s $37 trillion debt and government overspending signal higher future taxes (and what you...

Harness the showdown between Wall Street and a max-funded Indexed Universal Life policy. Doug Andrew’s team exposes hidden fees, taxes, and sequence-of-returns traps while unveiling the L.A.S.E.R. Fund’s 0% floor and uncapped S&P strategy. Witness how tax-free policy loans, insurer guarantees, and smarter indexing preserve wealth through every crash and rebound. Now that you see how predictabl...

Are you worried about losing money when markets crash? In this thoughtful episode, we demystify Indexed Universal Life insurance as a potential safety net for uncertain times. You’ll learn how historical crashes teach us to diversify and stay liquid, and why an IUL’s annual reset lets you capture new gains without dragging losses. Our guests break down complex insurance features into simple advice...

Discover how shattered trust in Washington and ballooning national debt threaten your savings. Doug Andrew and the 93 Million team reveal the “Laser Fund” solution—combining tax-free IUL growth, liquidity, and zero-percent market floor—to outpace looming tax hikes. Learn why exposing $160 B in Covid fraud matters for your 401(k), how real IUL statements delivered 111 % gains, and where real estate...

Unlock authentic wealth with Indexed Universal Life and balanced strategy. Doug Andrew’s “93 Million” podcast merges Foundational, Intellectual, and Financial assets inside a max-funded IUL to deliver tax-free income and a zero-percent market floor. Discover smarter indexing, eliminate hidden cost drag, and fortify your legacy while escaping looming tax hikes. This episode reveals: - Why expiring...

Discover how the Three Dimensions of Authentic Wealth can protect your family and your business when life takes an unexpected turn. Doug Andrew and the team explore why the death benefit in a properly structured Indexed Universal Life (IUL) policy is not just a feature—it’s the foundation. Learn how IUL’s built-in safety net offers financial dignity when loved ones pass away unexpectedly, and how...

Discover how the Three Dimensions of Authentic Wealth—Foundational, Intellectual, and Financial—can help you build a secure retirement and lasting legacy. In this episode, Doug Andrew and his team reveal how emotional investing, tax-deferred traps, and outdated retirement myths can sabotage your future. Learn why most retirees aren't in lower tax brackets—and how market volatility, lost deductions...

Discover how smart tax policy, properly structured IULs, and financial independence can transform your future. In this episode of “93 Million,” you’ll learn how owning 54 life insurance policies makes perfect sense when you understand insurance capacity and tax-free growth. Doug Andrew and the team reveal why you should question fiduciaries, ignore outdated myths, and master strategies that actual...

Discover how the Three Dimensions of Authentic Wealth can balance your life and fortify your finances. Doug Andrew and his team dive into the “93 Million” principle, exposing why traditional retirement planning fails to address taxes, inflation, and long-term income needs. This episode reveals: - Why multipliers in Indexed Universal Life can deliver explosive growth - How Social Security’s collaps...

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-...

Discover how rising national debt, broken retirement systems, and unsustainable tax policies could derail your financial future—and what you can do to protect yourself. Doug Andrew and his team break down the hidden risks of traditional retirement vehicles like IRAs and 401(k)s and reveal how Indexed Universal Life (IUL) can create a safer, tax-free path forward. Uncover how strategic rollouts, IU...

Discover how market volatility and emotional investing can quietly sabotage your retirement—and what to do about it. In this episode of “93 Million with Doug Andrew,” Doug and his team break down why Indexed Universal Life (IUL) outperforms traditional options like Whole Life and 401(k)s when it comes to protecting and growing wealth. You’ll learn how IUL’s zero-percent floor and tax-free income s...

Explore how to outpace inflation, reduce risk, and grow tax-free income with the power of Indexed Universal Life (IUL). Doug Andrew and the 93 Million team break down the real threats of inflation and market volatility—and how smart strategies, not guesswork, lead to long-term financial peace of mind. Discover how income arbitrage, policy loans, and the miracle of compound interest let your money...