Doug Andrew

Author, Radio Host, and Financial Strategist. I teach abundant living principles to leaders, families, and individuals.

[Doug Andrew @dougandrewnow]

I had a great time with @NASDAQ today discussing my latest book, "The LASER Fund."
https://t.co/XisywaJox0

[Doug Andrew @dougandrewnow]

Internal Rate of Return (IRR) can be tricky to calculate unless you’re putting in a fixed premium for a set period, which makes it easier to compute with a financial calculator. Surprisingly, many insurance agents struggle to explain IRR when asked about the actual return on c...

[Doug Andrew @dougandrewnow]

If you haven’t disciplined yourself to live on less than you earn or consistently put money in for long-term goals, an IUL isn’t for you—yet. It requires commitment for at least five years due to IRS rules like TEFRA, DEFRA, and TAMRA. If you’re not ready to commit, don’t star...

[Doug Andrew @dougandrewnow]

A properly structured, max-funded IUL is a powerful financial vehicle, but it’s not for everyone.

1️⃣ You must be a disciplined saver – If you don’t live below your means and consistently set aside money for future goals, IUL may not be the best fit.

2️⃣ IUL is for long-term...

[Doug Andrew @dougandrewnow]

If you’ve never seen an insurance policy that gets cheaper as you get older, you need to check out a properly structured, max-funded Indexed Universal Life (IUL).

It’s like buying term and investing the difference—tax-free. And it can outperform traditional buy-term-and-inves...

[Doug Andrew @dougandrewnow]

You can’t just count how much your money is compounding without factoring in taxes and inflation—they silently eat away at your wealth.

If you have $1 million earning 7.5%, you might think you can withdraw $75,000 a year to live on. But in a 33% tax bracket, you’d only net $5...

[Doug Andrew @dougandrewnow]

If you had a $1 million nest egg earning 12%, you’d think you could withdraw $120,000 a year without depleting principal, right?

But in a 33% tax bracket, you’d only net $80,000 after taxes to cover your expenses.

Most savers aren’t in a lower tax bracket when they retire. W...

[Doug Andrew @dougandrewnow]

Too often in the insurance industry, advisors aren't taught to look at the internal rate of return, or IRR.

They're just told to focus on telling you about the gross return.

But this doesn't help you factor in the impact of things like fees and costs.

That kind of transpare...

[Doug Andrew @dougandrewnow]

Many believe that by age 60 or 65, they’ll have enough savings to replace their term insurance. But they overlook taxes and inflation.

If term insurance costs 20 cents per dollar, you have 80 cents left to invest.

But by retirement, if you're in a 33% tax bracket, you don’t...

[Doug Andrew @dougandrewnow]

Wealthy individuals understand the power of leverage with liquidity—because leverage without liquidity is financial suicide. When you need money the most, it's often the hardest to access, especially if it’s tied up in real estate or other illiquid assets.

Savvy millionaires ...

[Doug Andrew @dougandrewnow]

When EF Hutton introduced Indexed Universal Life (IUL), they had one goal: maximize tax-free benefits. Instead of prioritizing the death benefit, they structured it to take the least amount of insurance the IRS allows while putting in the most premium as fast as possible—turni...

[Doug Andrew @dougandrewnow]

There’s only one financial vehicle that lets you accumulate, access, and transfer your money tax-free—a properly structured, maximum-funded Indexed Universal Life (IUL) policy.

Under Section 101(a) of the Internal Revenue Code, a permanent life insurance contract creates a sa...

[Doug Andrew @dougandrewnow]

Think insurance is more expensive as you get older? Not if you structure it for living benefits! The IRS allows parity, meaning a 60-year-old can have the same cost of insurance as a 22-year-old when using an Indexed Universal Life (IUL) properly.

By taking the least amount o...

[Doug Andrew @dougandrewnow]

Would you pay someone $40,000 if they made you $80,000?

That’s what banks and the wealthy do with safe positive leverage. They borrow at one rate, say 4%, and earn at a higher rate, say 8% or more—often doubling their money year after year.

Want to learn how to apply this s...

[Doug Andrew @dougandrewnow]

The mega-wealthy don’t follow conventional advice. Most Americans are told to put money in tax-deferred accounts like IRAs and 401(k)s, believing they’ll be in a lower tax bracket at retirement.

But that hasn’t been true for many Americans for over 30 years. High-income earn...

[Doug Andrew @dougandrewnow]

Want to build real wealth? Stop following conventional advice.

Too many Americans are duped into putting money into tax-deferred IRAs and 401(k)s, only to face a wake-up call at retirement.

They’re promised a lower tax bracket, yet often end up in a tax bracket that's as h...

[Doug Andrew @dougandrewnow]

Inflation is a silent tax that impacts everyone, especially the middle and working classes.

Many people store their money in taxed-as-earned accounts, like banks and mutual funds, without realizing how much they’re losing to taxes.

Here's an example to help you understand t...

[Doug Andrew @dougandrewnow]

Most self-made millionaires don’t rely on IRAs or 401(k)s—nor do they risk much in the stock market. They understand how money works and use strategies to grow and protect wealth tax-free.

Want to learn these secrets? Claim a FREE copy of The LASER Fund—I’ll cover the cost of...

[Doug Andrew @dougandrewnow]

Albert Einstein called compound interest the 8th wonder of the world. Rothschild took it further—saying tax-free compounding is the real miracle.

A dollar doubling for 20 periods grows to $1,048,000 tax-free. But if you pay taxes along the way:
🔹 25% tax bracket → You’d hav...

[Doug Andrew @dougandrewnow]

An IUL LASER Fund is a properly structured, max-funded Indexed Universal Life policy.

LASER stands for Liquid Assets Safely Earning Returns. It allows for:
✅ Tax-Free Growth – Your money accumulates tax-free.
✅ Tax-Free Access – You can access money tax-free for living bene...

[Doug Andrew @dougandrewnow]

Self-made millionaires master three key principles of wealth accumulation:

1️⃣ Compound Interest – Your money grows exponentially.
2️⃣ Tax-Free Growth – Not just tax-deferred, but truly tax-free.
3️⃣ Safe Positive Leverage – Paying interest strategically to make more.

I comp...