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
----------
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.