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Discover why IRAs and 401(k)s often fail to deliver the retirement security many expect. We unpack the “hidden wealth killer”—steep taxes, market losses, and mounting fees—and explain how the myth of a lower tax bracket in retirement can blindside you. Join Doug Andrew and his team as they reveal how Indexed Universal Life (IUL) offers tax-free growth, protects your principal from market downturns, and breaks you free from Uncle Sam’s partnership. Indexed Universal Life (IUL) isn’t just life insurance—it’s a powerful wealth-building tool. In this episode, we cover: How IUL lets you grow money tax-free Why zero is your hero (market protection + compounding growth) Common IUL myths debunked Learn smart strategies that optimize your assets, minimize taxes, and empower you with authentic wealth in the “93 Million” tradition. 00:00:00 – Discover the hidden wealth killer sabotaging retirement accounts 00:01:21 – Why you won’t be in a lower tax bracket later 00:03:09 – How IRAs and 401(k)s trap more taxes than you think 00:06:58 – Avoid invisible fees that erode your retirement fund 00:10:14 – IRS partnerships explained who really owns your 401(k) 00:13:22 – Indexed Universal Life the tax-free alternative you need 00:16:15 – Real stories prove IUL beats traditional retirement plans 00:20:44 – RMD shock factor how mandatory withdrawals ruin income 00:24:05 – Debunking myths about government “help” and tax deferral 00:28:49 – Roadmap to authentic wealth and three dimensions of security ---------- Ready to speak with a Specialist? Book a free Quick Consult here: https://3dimensionalwealth.com/start 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