93 Million with Doug Andrew

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 predictable income beats raw growth charts, this episode reveals:

- Why zero-loss years compound faster than risky 401ks

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 that addresses real fears.

Key takeaways include:

- How IUL’s annual reset protects your principal after downturns

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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 fits when liquidity dries up.

Now that you see the benefits of a diversified, tax-free strategy, this episode reveals:

- How government waste signals higher future taxes and what to do now
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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 tax cuts could raise your bracket by 17 %

- The 4 % rule trap—and how IUL pays double, tax-free

- Policy-audit tips to stop fees draining your future

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 policy loans provide strategic liquidity without halting compound growth.

This episode uncovers:

- How IUL protects families and legacies in times...

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, and Required Minimum Distributions (RMDs) can trigger surprise tax bills.

Uncover the truth about precious metals and why they're often a fear-based distraction. Instead, explore how a properly structured, max-funded Indexed Universal Life (IUL) policy...

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 actually work—backed by real results.

Now that you're thinking beyond traditional investments, this episode reveals:

- The untold benefits of max-funded IULs (and how the wealthy use them)

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 collapse could derail your retirement plans

- The shocking impact of taxes and fees on your IRR—and how to fix it

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-free income beats traditional strategies every time

If you're...

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, IUL’s triple tax advantage, and long-standing sections of the Internal Revenue Code can free you from the tax trap and give you back control over your retirement. Learn why trusting the...

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 structure keep your savings safe—even in a downturn. This episode is packed with insights to help you avoid emotional money decisions and instead focus on strategic asset protection u...

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 work in two places at once. Learn why predictability, not speculation, is the key to financial independence.

Now that you understand the power of pr...

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, 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 and smarter indexing preserve what you’ve built from market downturns. Discover the joy of building your legacy, protecting your loved ones, and creating real wealth that out...

Could focusing on products rather than strategy be quietly undermining your financial future? In this episode of 93 Million with Doug Andrew, you'll learn how to build a powerful, tax-free wealth strategy based on principles of liquidity, safety, and rate of return, ensuring you're positioned for long-term financial success.

Join host Greg Duckwitz, along with financial strategists Doug Andrew, Emron Andrew, Aaron Andrew, and Brandon Johnson, as they explain why traditional approaches to retirement planning may be leaving you exposed to unnecessary risk and hidden costs. The team introduces the LASER Fund (Liquid Assets Safely Earning Returns) concept...

Think your 401(k) or IRA is the ultimate retirement solution? Think again. In this eye-opening episode of 93 Million with Doug Andrew, Doug Andrew and his financial experts reveal the hidden pitfalls of traditional retirement accounts like 401(k)s and IRAs, uncovering how these widely-used investment vehicles could actually cost you millions.

Join host Greg Duckwitz, along with Doug Andrew and special guests Emron Andrew, Aaron Andrew, and Scott Reynolds, as they break down the critical flaws of conventional retirement strategies, including how taxes, fees, and market volatility can significantly erode your retirement savings. Discover the powerful alternative...

Are traditional retirement plans like IRAs and 401(k)s quietly sabotaging your wealth? In this episode of 93 Million with Doug Andrew, the financial myths around conventional retirement accounts are exposed, revealing why millions of Americans find themselves trapped by hidden fees, market losses, and unexpected taxes.

Join host Greg Duckwitz and financial experts Doug Andrew, Emron Andrew, Aaron Andrew, and special guest Scott Reynolds as they debunk the myth that you'll retire in a lower tax bracket and uncover the truth behind the tax trap inherent in IRAs and 401(k)s. Learn how hidden fees and market...

How Small Financial Decisions Create Exponential Wealth (93 Million Principle)

Have you ever wondered how seemingly small financial decisions can drastically impact your future wealth? In the debut episode of 93 Million with Doug Andrew, Doug and his expert team uncover the power of compound interest and how tiny adjustments can exponentially grow your wealth over time.

Join Doug and his host Greg Duckwitz along with his special guests, including seasoned financial strategists Emron Andrew, Aaron Andrew, and Brandon Johnsen, as they demystify common money myths and introduce the remarkable "93 Million Principle"—illustrating how even the simplest fi...

Ever wonder how the ultra-wealthy grow and protect their fortunes without relying on stocks or traditional retirement plans? In this insightful episode of 93 Million with Doug Andrew, Doug Andrew and his expert team unveil the secret strategies used by banks, billionaires, and savvy entrepreneurs to multiply wealth and minimize risk—far beyond Wall Street.

Join host Greg Duckwitz along with Doug Andrew, Emron Andrew, Aaron Andrew, and special guest Brandon Johnsen, as they explore sophisticated yet accessible wealth-building techniques like Bank-Owned Life Insurance (BOLI), Corporate-Owned Life Insurance (COLI), and Indexed Universal Life (IUL). Discover how these tools of...