Financial Literacy Crisis And Risky College Funding Plans (Episode 23)

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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