Rephonic
Artwork for 93 Million

93 Million with Doug Andrew

3 Dimensional Wealth
Indexed Universal Life
Indexed Universal Life (IUL)
Personal Finance
Taxes
Laser Financial
Tax Torpedo Trap
Laser Fund
Investing
Family Wealth
Liquidity
IUL
Opportunity Cost
Tax Benefits / Tax-Free Income
Retirement Planning
Compound Interest
Iran Conflict
Rule Of 55
IRMAA
IRA 401K
Real Estate

There’s a dangerous financial myth that’s quietly costing everyday Americans thousands, possibly millions, over their lifetimes—a myth that’s persisted for d...

PublishesWeeklyEpisodes71Foundeda year ago
Number of ListenersCategories
BusinessEducationInvesting

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Artwork for 93 Million

Latest Episodes

Discover how to evaluate an Indexed Universal Life policy beyond the promises, projections and surface-level sales language. Doug Andrew and the 93 Million team grade ChatGPT’s latest IUL questions, revealing what buyers should know about break-even ... more

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Discover how ChatGPT answers the biggest questions about Indexed Universal Life and where those answers may fall short. Doug Andrew and the 93 Million panel break down max-funded IUL, premium flexibility, policy loans, compliant illustrations, histor... more

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Discover how real IUL specialists evaluate ChatGPT’s advice on Indexed Universal Life, tax-free retirement income, and properly structured policy design. Doug Andrew and his team break down ChatGPT’s suggested questions about cap rates, participation... more

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Discover how liquidity and compound interest can reshape your retirement strategy and strengthen your financial future. Doug Andrew and the 93 Million team explore one of the most overlooked LASER Fund principles: liquidity. Learn why access to money... more

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Discover what happens when ChatGPT is asked to explain Indexed Universal Life insurance, policy design, cash value growth, and future tax-free income. Doug's team puts AI financial advice to the test by grading ChatGPT’s answers about IUL questions c... more

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Discover why the word fiduciary may not be enough to protect your retirement money. Doug Andrew, Greg Dukewitz, Emron Andrew, Aaron Andrew, and Brandon Johnson dive into fiduciary duty, hidden financial advisor conflicts, and the importance of becomi... more

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Discover how tax-free retirement income, indexed universal life, and smarter legacy planning can help you avoid running out of money in retirement. Doug Andrew and the 93 Million team break down the real dangers retirees face—taxes, inflation, market... more

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Discover how market uncertainty, max-funded Indexed Universal Life, and the power of KASH can reshape the way you think about retirement planning and generational wealth. Doug Andrew and the 93 Million team dive into why stock market crashes are impo... more

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Recent Guests

Emron Andrew
Co-author of The Laser Fund
Laser Financial
Episode: Retirement Income, IUL, Taxes, and Legacy Planning (Episode 66)
Aaron Andrew
Co-author of The Laser Fund
Laser Financial
Episode: Retirement Income, IUL, Taxes, and Legacy Planning (Episode 66)
Doug Andrew
New York Times best-selling author, 'godfather of IUL'; author of the Laser Fund
Laser Financial
Episode: IUL Questions Answered: Fees, Taxes, Loans and Retirement (Episode 64)
Erin Andrew
Co-author of Laser Fund
Laser Financial
Episode: How Valuable Is Tax-Free Income With Rising Taxes? (Episode 61)

Host

Greg Dukwitz
Host of the show and IUL specialist

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Talking Points

Recent interactions between the hosts and their guests.

Why Retirees Get SHOCKED by Higher Taxes (Episode 55)
Q: What exactly is the tax torpedo and how does it affect someone in retirement?
The tax torpedo occurs when withdrawals from qualified accounts push your income into higher tax considerations and trigger Social Security taxation, IRMAA, and other phaseouts simultaneously, significantly increasing your marginal tax rate compared to your working years.
Retirement Income, IUL, Taxes, and Legacy Planning (Episode 66)
Q: What can Americans do to ensure they don't run out of money in retirement?
Focus on reducing taxes, protecting against inflation, and avoiding overexposure to market volatility. Use strategies like tax-efficient income planning and, where appropriate, IUL-based structures to create predictable, tax-advantaged income streams.
What AI Gets Wrong About IUL And Tax-Free Income (Episode 68)
Q: What is the takeaway about the illustrated rates and the real-world performance of IULs?
The group argues that illustrated rates are optimistic or biased by historical data, and that real-world results can differ significantly; the true focus should be on the ratio of fees to returns and the internal rate of return over the policy life.
What AI Gets Wrong About IUL And Tax-Free Income (Episode 68)
Q: Are you able to grade the ChatGPT questions and explain what's missing?
The panel assigns grades to the questions, criticizing missing depth on design questions, and emphasizing the need for questions about how the policy earns interest, why a rate is chosen, and the mechanics behind the illustrations.
What AI Gets Wrong About IUL And Tax-Free Income (Episode 68)
Q: What questions should I ask when considering buying an IUL?
ChatGPT suggested a set of questions focused on design, funding, and practical costs, but the hosts note these can be surface-level and require deeper, how/why context to be truly useful.

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Frequently Asked Questions About 93 Million

What is 93 Million about and what kind of topics does it cover?

The show centers on practical, tax-advantaged wealth strategies, with a heavy emphasis on indexed universal life (IUL) insurance, the LASER Fund concept, and retirement planning. Conversations usually feature a panel of hosts and recurring guests who dissect financial structures, fees, and tax implications, often using real-world scenarios and math demonstrations to illustrate how liquidity, compounding, and policy design can impact long-term wealth. Promotional breaks for Laser Financial and related education events are a common thread, but episodes frequently balance instructional content with debate about best practices in fiduciary responsibility and family wealth planning. The format tends to be approachable for financial professionals... more

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93 Million launched a year ago and published 71 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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Recent guests on 93 Million include:

1. Emron Andrew
2. Aaron Andrew
3. Doug Andrew
4. Erin Andrew

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