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 approaching retirement or simply want to protect what you’ve built, this episode reveals how a well-designed IUL policy can secure your financial future while others panic.
00:00:00 – How Tariffs Trigger Investor Panic and Opportunity
00:02:53 – The Real Reason the Market Drops So Fast
00:04:00 – Why Most People Panic and Sell at the Bottom
00:07:13 – Average Investors Underperform by 5.5%—Here’s Why
00:10:20 – Strategy vs Emotion: What the Winners Do Differently
00:13:53 – Understanding the 4% Rule and Its Flaws
00:16:11 – How Much You Really Need for Retirement Income
00:20:09 – The Sequence of Returns Can Wreck Your Nest Egg
00:26:13 – Doug’s House of Bricks Strategy for Market Crashes
00:30:17 – Picking the Right IUL Company Isn’t Enough
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