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Artwork for 93 Million

93 Million with Doug Andrew

3 Dimensional Wealth
Indexed Universal Life (IUL)
Indexed Universal Life
LASER Fund
Laser Financial
Taxes
Index Universal Life (IUL)
Liquidity
Personal Finance
Compound Interest
National Debt
Real Estate
Stock Market
Chatgpt
Whole Life Insurance
Investing
Family Wealth
Tax Torpedo Trap
Rule Of 55
Tax-Free Retirement
Cryptocurrency

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...

PublishesWeeklyEpisodes72Foundeda year ago
Number of ListenersCategories
EducationInvestingBusiness

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Artwork for 93 Million

Latest Episodes

Discover how a properly structured, max-funded Indexed Universal Life policy compares with Roth IRAs, taxable brokerage accounts, and the buy-term-invest-the-difference strategy. Doug Andrew and the 93 Million team grade ChatGPT’s final IUL question ... more

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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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Recent Guests

Aaron Andrew
Top IUL specialist, co-author of the Laser Fund
Laser Financial
Episode: Can You Trust ChatGPT’s Answers About IUL? (Episode 71)
Brandon Johnson
Top IUL specialist at Laser Financial
Laser Financial
Episode: Can You Trust ChatGPT’s Answers About IUL? (Episode 71)
Scott Reynolds
Top IUL specialist at Laser Financial
Laser Financial
Episode: Can You Trust ChatGPT’s Answers About IUL? (Episode 71)
Doug Andrew
New York Times best-selling author, Laser Fund author, IUL expert
Laser Financial / Laser Fund
Episode: What AI Gets Wrong About IUL And Tax-Free Income (Episode 68)
Emron Andrew
Co-author of Laser Fund
Laser Financial
Episode: How Valuable Is Tax-Free Income With Rising Taxes? (Episode 61)
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.

How to Protect Retirement Income Using IUL Indexing Strategies (Episode 51)
Q: What does lock-in and reset mean for an IUL strategy?
Lock-in and reset means gains are realized and become the new base for the next period; during a market downturn, you don't lose the locked-in gains, and you re-enter the market from a lower base to participate in future upside.
How to Protect Retirement Income Using IUL Indexing Strategies (Episode 51)
Q: What is indexing and how can insurance companies offer it without exposing money to market downturns?
Indexing ties growth to an index (like the S&P), but the money remains largely in safer general accounts or bonds with gains used to buy options; protections like caps, floors, and lock-ins ensure principal safety while providing upside through option-based participation.
How to Protect Retirement Income Using IUL Indexing Strategies (Episode 51)
Q: How does folding paper relate to compound interest?
The hosts use the paper-folding analogy to illustrate exponential growth, showing how small, repeated doublings (like folding) quickly become enormous, which is the essence of compound interest reflected in investing and a tax-advantaged strategy.
Why National Debt Could Raise Taxes And How to Prepare (Episode 48)
Q: What are the top three options for tax-free income in retirement?
The host and Doug outline Roth, life insurance, and HSAs as the leading options, with particular emphasis on the flexibility and tax advantages of max-funded IULs as a superior vehicle in many scenarios.
Why National Debt Could Raise Taxes And How to Prepare (Episode 48)
Q: Why should someone care today about what the national debt is tomorrow?
Doug Andrew explains that if you divide the national debt by tax-paying households, each household would owe hundreds of thousands, indicating systemic risk; thus it's important to consider how government choices affect taxes and retirement planning.

Audience Metrics

Listeners, social reach, demographics and more for this podcast.

Listeners per Episode
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Location
Interests
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Age Range
Household Income
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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 72 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. Aaron Andrew
2. Brandon Johnson
3. Scott Reynolds
4. Doug Andrew
5. Emron Andrew
6. Erin Andrew

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