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3 DIMENSIONAL WEALTH LIVING
May 2024
385-257-2577
3DimensionalWealth.com
INSIDE ISSUE
Pack Your Bags — and Your Itinerary — for Fun and Inspiration 3 REASONS YOUR NEXT VACATION SHOULD LOOK LIKE THIS
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3 Reasons Your Next Vacation Should Look Like This
Before you step on the plane or hit the road for your next family getaway, consider this: What if your trip were more than a fun-filled excursion? What if it also had a lasting impact on your family’s 3 Dimensional Wealth? Several years ago, we were on a vacation with our kids, their spouses, and our first few grandchildren when my wife, Sharee, and I led a discussion on charitable giving. We invited our children to access $2, $20, $200, or even $2,000 from the family bank and create a way to multiply the sum at least ten times (like the parable of the talents in the New Testament’s Matthew Chapter 25), then identify a charity they would give the proceeds to, and finally share the results. Our youngest daughter and her husband used $200 from the family bank to hand- make stained glass star ornaments for a Christmas tree that would be auctioned to benefit our local children’s hospital. The tree generated $3,800 — and the young couple went on to fulfill orders for more stained glass ornaments that helped support them during graduate school.
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Customizing Your Family Retreats
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4 Ways to Leave More Behind
On another Family Retreat With a Purpose, I led a discussion on how to buy a house with no down payment and without a substantial credit history. As a result, two of our children who had recently wed were able to purchase beautiful homes with no money down. At a later retreat, these children then paid it forward by teaching the others how doing this put them in a position now to be building new houses using the same wisdom. Now, before you think that our getaways are all-talk-no-fun, understand that powerful discussions like these are always interspersed among fun activities like scuba diving in Maui or hiking in Wind River, Wyoming. By intertwining the exciting adventures with intentional 3 Dimensional Wealth moments, your trips go from regular vacays to Family Retreats With a Purpose.
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What Your Business Retreat Might Be Missing Meditate Your Way to a Healthier You Cook Like a Seasoned Veteran Make Memories With a Bubble Bonanza! Rejuvenate Your Routine With 4 Spring Wellness Changes
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In fact here are three reasons you absolutely can’t take another vacation without making it a Family Retreat With a Purpose.
Make it a truly meaningful getaway — download the free Family Retreats With a Purpose Planner from our toolkit today!
1. MEANINGFUL MEMORIES Imagine it’s 10 to 20 years from now, and you’re reminiscing with your grown children about a family trip. My guess is your kids will remember a few key
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Your Next Summer Read
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moments, like the top of the Empire State Building or a Broadway musical, but not much beyond that.
3 Dimensions can bring your family closer. As you return to regular life, the bonds you’ve strengthened can help you support one another during life’s inevitable ups and downs. 3. SPRINGBOARD FOR SUCCESS We do a goal-setting exercise on our retreats where we ask everyone to go around the family circle and share what has to happen for them to be happy with the progress they make during the next two years. We then have everyone reflect on one thing they wrote down two years earlier that has come to fruition. Their lists have included everything from finding a spouse, to starting a family, to earning a scholarship, to new jobs. Talk about an amazing payday as a parent! This is the power of setting aside an hour or so on your next getaway to put your family on a trajectory for future long-term success.
Now picture what the impact would be if you spent time goal- setting during the trip … and they’ve since reached those educational or career goals and can look back at where it all started, on your Big Apple Family Retreat With a Purpose. Those are rich, meaningful memories that last a lifetime. 2. STRONG RELATIONSHIPS One of our favorite activities during our retreats is sharing I Remember When stories. These range from funny or embarrassing moments to important life lessons learned. As everyone — even the little ones — opens up about life, it brings us all closer.
Whether it’s storytelling or deep-dive values discussions or volunteering in your destination city, activities rooted in the
CUSTOMIZING YOUR FAMILY RETREAT HOW WE’VE PERSONALIZED OUR RETREATS WITH A PURPOSE
I recently shared the experiences my family and I had when we took a trip to Japan. It was a privilege to take our children to soak up the culture, visit historic sites, ski the Japanese slopes, and even attend church with local members (where the language barrier was surprisingly bridged by a sweet spirit of shared beliefs). It was definitely a Family Retreat With a Purpose, but admittedly, it looked different from how my parents would have planned it. MAKE IT WORK FOR YOU And this is the point I want to make: Like many of the 3 Dimensional Wealth concepts, it’s all about personalizing the principles for your own unique situation. If you’ve read “Entitlement Abolition” or attended Doug’s presentations on Family Retreats With a Purpose, you might feel a little intimidated. My dad and mom tend to go all out when it comes to planning 3 Dimensional Wealth activities and discussions throughout our family getaways.
with our kids, who range from elementary school to high school.
As they crest into adulthood, I anticipate we’ll utilize more of the 3 Dimensional Wealth tools, but for now, it works for us to plan meaningful activities and simply discuss the principles with our kids. That’s why I’m happy about the new Family Retreats With a Purpose Planner. This 3-page guide helps you customize your getaway in a way that works for you and the people you care about most . So as you get ready for your upcoming vacations, be sure to download the free tool (see the QR code on p. 1). Whether you’re an ultra-planner like my parents or a fun-with-focus family like us, you can make your time away purpose-filled AND personalized for your family.
cabin, on outdoors trips, in Hawaii, or at Grandpa’s Camp. We’ve all learned so much and grown together because of their approach. OUR STYLE OF RETREAT That said, Harmony and I are a little more relaxed when it comes to our Family Retreats With a Purpose. We schedule activities that are a mix of learning, inspiration, and fun. We talk about our family values, as well as 3 Dimensional Wealth takeaways. But we aren’t necessarily planning an hour to go through The Better Life Circle or The Solution Formulator
My family and I have loved the level of detail they go to when we get together at the family
–Emron Andrew
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4 WAYS TO LEAVE MORE BEHIND UNDERSTANDING ESTATE TAX LAWS, REGULATIONS, AND EXEMPTIONS ROSS BRUNSON, CONTRIBUTING WRITER
Now while Sharee and I tend to schedule a lot of 3 Dimensional Wealth activities during our Family Retreats With a Purpose, every family has its own dynamic. Your family might be a little more relaxed in how you vacation, so maybe just one values-based activity a day might work for you. To help you plan your getaway your way, I’ve developed a Family Retreat With a Purpose Planner. (Scan the QR code on p. 1 to download the planner.)
When we think about what to pass down to our family, we want to maximize what we leave behind, which also means minimizing the taxes that could diminish what they receive. While estate tax laws and regulations can be complex and intimidating, with a little understanding and planning, you can ensure that your loved ones are not burdened with excessive tax obligations after your passing. Here are a few things to consider.
are distributed according to your wishes.
Gifting: There are annual gift tax exclusions that allow you to gift a certain amount of money or assets each year tax-free, which can reduce the overall size of your estate. Charitable Giving: Donating assets to charitable organizations not only benefits the causes you care about, but can also reduce your taxable estate. Establishing an IUL LASER Fund: By putting a significant amount of your wealth into an IUL LASER Fund, you can not only benefit from tax-free growth and access to tax-free income during your lifetime, but your death benefit also passes along income-tax-free to your heirs. Keep in mind that the death benefit is included in your estate value; thus it can be subject to estate taxes if your estate value exceeds the estate tax exclusion amount. However, if you have a high estate value, you can safeguard your death benefit from estate taxes by utilizing either an Irrevocable Life Insurance Trust or a Spousal Lifetime Access Trust. While these special trusts can protect your death benefit from estate taxes, they can also put constraints on how you access money in your policy during your lifetime, so be sure to fully understand your options before taking action. By staying informed on estate tax laws and regulations and working with a qualified estate planning attorney and/or financial specialist, you can ensure that your estate is preserved for future generations.
However you do it, just be sure to make the most of your next trip by carving out time to strengthen your family’s Foundational, Intellectual, and Financial Dimensions.
–Doug Andrew
DEFINING ESTATE TAXES Estate taxes, also known as
inheritance taxes, are imposed on the transfer of a person’s estate after their death. The federal government imposes estate taxes on estates worth more than a certain threshold, which is currently $13.6 million for a single person or $27.2 million for a married couple (these thresholds are always subject to change). State governments also have their own estate tax laws, with threshold amounts and rates varying by state. UNDERSTANDING EXEMPTIONS The estate tax exemption specifies the amount of money that can be passed on to heirs tax-free. For example, if the federal estate tax exemption is currently $13.6 million and your estate is worth $10 million, your heirs would not owe any federal estate taxes. MINIMIZING TAX OBLIGATIONS The good news is there are a few ways to minimize estate tax obligations: Creating a Trust: A well-designed trust allows you to transfer assets to beneficiaries while minimizing estate taxes. Trusts can also provide protection from creditors and ensure that assets
FUN FOOD IDEAS
You can’t go wrong with this classic Andrew family crowd-pleaser! CHICKEN AND BROCCOLI CASSEROLE
INGREDIENTS
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6 chicken breasts
1/2 cup mayonnaise
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1 medium head broccoli 2 cans cheddar cheese soup
1 tbsp fresh lemon juice
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2 cups bread crumbs
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1 cube butter, melted
Sauté and shred the chicken. Lightly steam the broccoli for about 5 minutes (should still be crisp). Spread the broccoli on the bottom of a 9”x13” pan and top with the shredded chicken. Mix soup, mayo, and lemon juice and spread over the chicken and broccoli. Mix the melted butter and bread crumbs, then spread on top of the casserole. Bake at 350 degrees F for 30 to 45 minutes until golden brown. DIRECTIONS
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WHAT YOUR BUSINESS RETREAT MIGHT BE MISSING
Help Your Team Experience More
Business retreats come in all shapes and sizes. Some can take over the office conference room for a couple days, with box lunches, PowerPoints, whiteboarding, and an evening outing to Dave & Buster’s. Others might whisk the team off to a high-end mountain resort for a multi-day event filled with meetings, excursions, and entertainment. At 3 Dimensional Wealth, we’ve done things like gather with the executive team at our family cabin for a few days. BEYOND THE PLANNING Wherever your next business retreat takes place, you can elevate it from a review-and-planning session to something personally transformative by making it a Business Retreat With a Purpose. Much like Family Retreats With a Purpose (see Doug’s article on p. 1 for more), your Business Retreats With a Purpose can enrich your team’s lives by creating moments to focus on their Foundational, Intellectual, and/or Financial Dimensions. 3 DIMENSIONAL EXPERIENCES At one of our company retreats, for example, we conducted the Conscious Communicator exercise, which is one of our 3 Dimensional Wealth tools. It’s essentially a 45-minute activity that dramatically improves communication between team members, business partners, and staff and customers — really any relationship you care about. Following the exercise, communication always improves, and many of our employees shared that it was such a game-changer, they went home and led the same exercise with their spouse and children. During another retreat, we explored how employees could develop KASH Blueprints and Legacy Banks with their own families. We’ve also covered how to deal with crises and deadlines, how to
Elevate your next business retreat — download the free
Business Retreats With a Purpose Planner from our toolkit today!
hold Family Retreats With a Purpose, and even how to buy real estate with little to no money down.
IT’S NOT JUST ABOUT YOU Essentially, you want to make the retreat about more than “you,” the company, and expand the experience to also being about the employees. By providing opportunities for personal development, you can fill your employees’ cups and empower them for greater growth in their own lives. This can contribute to your company’s culture, employee loyalty, and teamwork. We’ve developed a Business Retreats With a Purpose Planner you can use to identify ways to level up your next team session. The time and resources you put toward these experiences can make a big difference as employees return to the tasks at the office with a renewed sense of abundance and cooperation.
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WHY MEDITATION IS A MUST FOR STRENGTHENING YOUR FOUNDATIONAL DIMENSION QUIET YOUR MIND, IMPROVE YOUR HEALTH
Meditation has been practiced for thousands of years and offers many benefits. The best part is that it's accessible to anyone; you don’t need special equipment or a membership to practice, just your mind and body! Mindfulness and meditation are great for everyone due to their emotional and cognitive perks. Here are three key benefits that will fortify your overall health and Foundational Dimension. LESS ANXIETY For some, anxiety can be a response to a specific life event, such as a health scare or losing a loved one. For others, anxiety can appear later in life for no apparent reason. Regardless of why it starts, anxiety is both uncomfortable and harmful to your health. Anxiety often involves worrying about the future, and meditation helps alleviate it by pushing you to focus only on how your body feels at that precise moment.
Focusing only on the now is an excellent way to help combat those intrusive "what if" and "when" thoughts. Your mental health is just as important as your physical health and is an instrumental asset in your Foundational Dimension.
areas of the brain more "power" through increased blood supply, they can work more efficiently to help you retain and recall information. If you don't know how to start, close your eyes and focus on counting your inhalations 10 times before restarting. You can set a timer or continue as long as you feel comfortable. You can also find several guided meditation apps if you need a bit more help. It only takes a few minutes to complete a meditation exercise and begin reaping its incredible health benefits for your Foundational Dimension!
REDUCED CHRONIC PAIN It's not uncommon for people to experience pain as they age. While
meditation can't treat the cause of the pain, it can help reduce the amount of pain you feel. According to a study from The Journal of the American Osteopathic Association, 89% of participants reported that meditation helped them cope with their chronic pain, drastically reducing their overall pain levels. BETTER MEMORY It's normal to experience some lapses in memory as we age. But meditation helps boost memory as it increases blood flow to areas of the brain in charge of attention and executive function. By giving these
Navigating the kitchen can often feel like a juggling act, and crafting a nutritious meal isn’t always easy, especially with busy schedules. Yet, with a few clever hacks, you can transform mundane tasks into efficient cooking that leads to a happier and healthier you. Here are three game-changing tips that will make your time in the kitchen a breeze and enrich your health and Foundational Dimension. UPGRADE YOUR CULINARY SKILLS WITH 3 KITCHEN HACKS EFFORTLESS EATING
NO. 2 DELI CONTAINER STORAGE Say goodbye to mismatched Tupperware containers or losing the lid that goes with them. Say hello to an organized and cost- effective solution. Buying deli containers in bulk saves you money and time. The lids are interchangeable, making a harmonious storage system that's easy to organize. You’ll be able to find and fit them easily, cutting out a chunk of time in your kitchen. NO. 3 PARCHMENT PAPER CLEANING Cooking can be a joy, but nobody enjoys cleaning up. Before starting a messy task, lay down a sheet of parchment paper on your cutting board or countertop. This simple trick not only protects your surfaces but also streamlines the post-cooking cleanup process. Any spills, shreds, or crumbs can be easily
gathered and discarded in the paper, leaving your kitchen looking as good as new as soon as it’s thrown away. It’s a small adjustment that can make a significant difference in your overall experience. By implementing these simple hacks, you’re not just streamlining your tasks; you’re elevating the joy of cooking. Armed with these new tricks, step into your kitchen with new confidence and create nutritious meals that boost Foundation Dimensional health.
NO. 1 EASY SHREDDING Shredding meats for soups, lunches, or snacks can be a time-consuming affair, but a simple hack can turn it into a hassle- free endeavor. Using a stand or hand mixer will get this job done quickly as it shreds meat for you, saving you time and effort. This hack is particularly handy for recipes that call for pulled pork, chicken, or beef, allowing you to enjoy deliciously shredded proteins without manual labor.
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A Fun and Educational Twist on a Classic BOUNCING BUBBLES 101
Whether you’re a parent or grandparent, everyone wants to engage their kids in playful and educational activities that make lasting memories. One exciting and easy-to-set-up activity is the bouncing bubble. This activity promises an afternoon of fun while exploring the science behind bubbles. At its heart, activities like this aim to bring your family closer together, which is vital to your Foundational Dimension. To start this bubbly adventure, you need a simple concoction: 4 tablespoons of water, 1 tablespoon of liquid dish soap, and 2 tablespoons of sugar. Gently mix the water and soap, then add the sugar and mix until dissolved. (You can easily scale up the recipe for a larger crowd using cups instead of tablespoons in the
same ratios.) Now, the real magic happens. Kids can dip their bubble wands into the mixture and blow bubbles into the air. Now, though, the bubbles won’t pop. The secret lies in wearing knit gloves or long sweater sleeves. Watch the magic happen as kids try catching and bouncing the bubbles with their gloves or sleeves. It’s unpredictable and exciting to see when the bubbles finally burst; you can even make it a counting game. The science of this bouncing is an excellent opportunity to explore how bubbles form. The kids will question why these bubbles bounce, so why not make it educational? Explain that sugar fortifies the bubble’s elastic surface (thus raising surface tension); this answer may lead to other questions,
and kids won’t feel lectured because you’re answering their questions.
This activity requires minimal resources, making it a convenient option for impromptu fun. As children revel in the joy of catching and bouncing bubbles, you can rest assured that they’ll remember this moment for years to come. So, grab your bubble wands and dive into this activity that turns ordinary bubbles into bouncing balls and curious kids into scientists to create lasting memories.
Spring Into Wellness
Refreshing Ways to Revitalize Your Health Routine
Spring is the season of renewal and rejuvenation, so there’s no better time to revitalize your health and wellness routine. New routines can boost your motivation and keep you engaged. From workouts to diet, it’s time to get out and take advantage of the sunshine and give your Foundational Dimension the TLC it needs! GET OUTSIDE Winter is fierce, unrelenting, and notorious for derailing outdoor fitness routines. It’s finally warm enough to exercise outside, so mix things up and get outside. Jump on a bike and ride through the wind. Slip on your jogging shoes and run through the neighborhood. Put on your swimsuit and head to the pool. Nature is full of challenging and fun activities, so take advantage of the warm weather before the next winter arrives. SPICE UP YOUR ROUTINE If you’re into yoga or weight training, try new exercises. A new routine ensures you won’t miss any muscles while keeping you engaged. When the
treadmill becomes a dreadmill , do your cardio on an elliptical or stationary bike. Grab some free weights if you’re starting to find weight machines dull. There’s always an alternative to keep things interesting. FIND FRIENDS A workout buddy can keep you invested in your routine. They’ll keep you motivated and accountable — it’s much harder to skip a workout if someone’s relying on you. Even better, a partner can keep you safe if you're weight training. Consider enrolling in a class if you have trouble finding someone to work out with. Not only can you learn new fitness tips and tricks, but you can also make friends. SPRINGIFY YOUR DIET Winter typically involves plenty of warm comfort meals, such as soups and hot chocolate, but spring is blooming with other options. It offers an array of refreshing and delightfully light dishes. Strawberries, pineapples, and avocados are best these months, along with many other delicious foods perfect for salads and smoothies. Shake up spring and keep to your regimen. There’s no better time to build healthy habits, especially in May’s warm weather. Take a jog with a friend, and afterward, enjoy a strawberry smoothie, and you’ll surely have an exceptional season spent enhancing your overall health.
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YOUR NEXT SUMMER READ Don’t Miss the Latest Edition
This time of year, summer book reading lists are popping up, letting you in on the latest hits in everything from business and romance to non-fiction and literary fiction.
There’s one book we absolutely recommend for your must-read list: the latest edition of “The LASER Fund,” debuting later this month.
Since this groundbreaking book on properly structured, max-funded Indexed Universal Life policies first launched in 2018, we’ve filled tens of thousands of orders for “The LASER Fund.” HUNDREDS OF UPDATES Over the last year, we’ve been at work behind the scenes, updating critical sections to help readers better understand how this unique financial vehicle can make a difference in their financial future. The latest edition, officially known as Version 3, includes over 300 updates. From minor details, like the current contribution limits for IRAs and 401(k)s, to all-new content on recent index strategies, this edition enriches the learning experience. ANSWERS TO IMPORTANT QUESTIONS We also supply answers to frequently asked questions we’ve received over the past few years, such as:
Don’t miss out on the latest edition—order your free copy of The LASER Fund Version 3 later this month.
GET YOUR FREE COPY If you haven’t read “The LASER Fund” yet, order your free copy of the book when Version 3 launches later this month. If it’s been a while since you’ve read an earlier edition, we invite you to order the new version and share it with those who would benefit from the IUL LASER Fund’s liquidity, safety, predictable rates of return, and tax advantages. We’ll also be releasing the updated audio recording for “The LASER Fund” Version 3 soon, and authors Doug, Emron, and Aaron are heading into the recording studio to film an updated LASER Fund Masterclass, which is a comprehensive course for anyone who wants a deeper grasp of IUL’s nuances and complexities. Make this summer your time to enrich your understanding of all things IUL LASER Fund — empowering your future with its opportunity for tax-free growth, tax-free access to cash for everything from business ventures to retirement, and income-tax-free transfer of wealth to your heirs.
What if you chose a level death benefit, but you find yourself wanting to add more money to your policy after you've maximum funded it within the first five years of the policy? What if you run into unexpected challenges while funding your policy during the first few years — can you catch up? What if you don’t have anyone to pass along the death benefit to — is an IUL LASER Fund still a prudent financial vehicle?
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3 DIMENSIONAL WEALTH LIVING
ALSO IN THIS ISSUE ...
Level Up Your Next Business Retreat page 4 Reduce Stress With These Tips page 5
Essentials for Creating Your Legacy of Authentic Wealth
Don’t do a thing until you discover how to turn getaways into game-changers for your family. Read more on page 1 … PLANNING YOUR NEXT TRIP?
The Kids Will LOVE This Easy Activity page 6 Add This to Your Summer Reading List page 7
8 3DimensionalWealth.com
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