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
----------
Ready to speak with a Specialist? Book a free Quick Consult here:
https://3dimensionalwealth.com/getstarted
Want to Learn More? Register For An Upcoming Event:
https://3dimensionalwealth.com/events
Claim Your Free Copy of The L.A.S.E.R. Fund Book
Go to: https://www.laserfund.com
Are you an advisor interested in what we teach?
Go to: www.iulinsiderpro.com
----------
Popular Podcasts
Stuff You Should Know
If you've ever wanted to know about champagne, satanism, the Stonewall Uprising, chaos theory, LSD, El Nino, true crime and Rosa Parks, then look no further. Josh and Chuck have you covered.
Las Culturistas with Matt Rogers and Bowen Yang
Ding dong! Join your culture consultants, Matt Rogers and Bowen Yang, on an unforgettable journey into the beating heart of CULTURE. Alongside sizzling special guests, they GET INTO the hottest pop-culture moments of the day and the formative cultural experiences that turned them into Culturistas. Produced by the Big Money Players Network and iHeartRadio.
Crime Junkie
Does hearing about a true crime case always leave you scouring the internet for the truth behind the story? Dive into your next mystery with Crime Junkie. Every Monday, join your host Ashley Flowers as she unravels all the details of infamous and underreported true crime cases with her best friend Brit Prawat. From cold cases to missing persons and heroes in our community who seek justice, Crime Junkie is your destination for theories and stories you won’t hear anywhere else. Whether you're a seasoned true crime enthusiast or new to the genre, you'll find yourself on the edge of your seat awaiting a new episode every Monday. If you can never get enough true crime... Congratulations, you’ve found your people. Follow to join a community of Crime Junkies! Crime Junkie is presented by audiochuck Media Company.