Emotional Investing, Tax-deferred Traps, and Outdated Retirement Myths (Episode 13)

2025-05-14

Discover how the Three Dimensions of Authentic Wealth—Foundational, Intellectual, and Financial—can help you build a secure retirement and lasting legacy. In this episode, Doug Andrew and his team reveal how emotional investing, tax-deferred traps, and outdated retirement myths can sabotage your future. Learn why most retirees aren't in lower tax brackets—and how market volatility, lost deductions, and Required Minimum Distributions (RMDs) can trigger surprise tax bills.Uncover the truth about precious metals and why they're often a fear-based distraction. Instead, explo...

Uncover the truth about precious metals and why they're often a fear-based distraction. Instead, explore how a properly structured, max-funded Indexed Universal Life (IUL) policy offers tax-free growth, access, and transfer—all while keeping you protected from market losses.

Whether you’re saving for retirement or advising clients, this episode will help you:

Understand the real tax burden of IRAs and 401(k)s

Avoid emotional money mistakes fueled by the media

Embrace IULs and three-dimensional thinking for lasting peace of mind

00:00:00 – How tariffs and headlines hijack your money

00:07:24 – The 4 tax buckets every retiree must understand

00:15:20 – Why tax-deferred plans destroy retirement value

00:16:47 – Are you really going to be in a lower bracket?

00:19:12 – The hidden tax time bomb of RMDs

00:22:30 – The power of IULs for tax-free income

00:24:20 – Are precious metals just fool’s gold?

00:29:17 – Why gold won’t protect you from inflation