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3 DIMENSIONAL WEALTH LIVING
January 2025
385-257-2577
3DimensionalWealth.com
And the Assessment That Can Kickstart It All 36 HABITS THAT CAN TRANSFORM YOUR FAMILY
INSIDE ISSUE
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36 Habits That Can Transform Your Family
Over the years, I’ve flown a lot for my work, presenting to audiences across the country and traveling to mastermind groups. When I fly, the person next to me typically asks what I do for a living. I explain, “I help people optimize their assets.” Then I ask a question in return, “When I say the word ‘assets,’ what do you think of first?” Most people rattle off things like cash, bonds, real estate, etc. I agree and indicate those are financial assets. Then I ask, “Now what are the most important assets that you cherish above anything else on Earth?” They clue in that I’m not talking about money, so they share what they value most: their spouse, their family, their health, and their faith. I nod, explaining that these assets usually involve people—they are human assets, so I put these under foundational assets for living an abundant life.
wisdom (which is a product of our knowledge multiplied by our experience), our formal education, our reputation, our skills, and our systems, methods and alliances. A BALANCED LIFE If I have a pen handy, I’ll draw a 3-legged stool on the napkin, asking what would happen if we were to erase one of these legs? The answer is clear: The stool would topple. I explain when I help people optimize their assets, I’m talking about all 3 types of assets, which is why my work focuses on the 3 Dimensions of Authentic Wealth.
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Teaching Our Kids Healthy Financial Habits
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The Power of Post-Meal Walking
I then share how what I do helps people achieve greater clarity, balance, and focus, which leads to greater confidence.
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Your Best Resource for Working Capital
Because when you have clarity around your values, your goals, and your non-negotiables, you gain more energy.
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When you strike a better balance, you can go down the highway of life without any wobble, increasing your velocity, arriving at your goals more quickly and safely.
Make It Easy to Level Up in 2025 America’s 5 Best Ski Resorts
When you focus on what matters most, you live life with greater accuracy, avoiding detours and dead ends.
Then I add that there’s a third category of assets—intellectual. These include our
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And all of this gives you confidence and faith in a brighter future.
Empower Your Family with IUL’s Versatility
WHAT WE ALL WANT This is when eyes light up in the conversation, because when we talk about real values, our hearts are stirred.
Get an honest snapshot of your journey toward 3 Dimensional Wealth— download the Habits of Abundance Assessment today!
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IUL Performance Watch Index Insights
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Whether we’re already living a balanced, thriving 3 Dimensional Life or we have room to grow, these are goals that resonate with everyone. WHERE ARE YOU? Now I have a question for you: Where are you and your family in your 3 Dimensional Wealth journey? You might reply with, “Pretty good, actually Doug. I think we’re making great progress.” Or maybe it’s more like, “Wow, I’ve only really been focused on my work and our finances. We’ve got plenty of money set aside; we live a comfortable life; and we travel often. But I’m not as close to my kids
and grandkids as I wish. And the stress level is taking a toll on my health.”
yourself on a scale of 1–10 for each statement (e.g., if it’s 70% true for you, you’d circle a 7). After rating yourself in all 3 Dimensions, your score helps you get an honest snapshot of where you’re strong and where you can focus on making improvements. The Assessment then includes links to additional tools to develop the habits you need. Think of this tool like a GPS for your Authentic Wealth. The only way to map your course is to pinpoint where you are starting from, then chart your path to get where you want to go.
As we kick off a new year, I extend a challenge to you: Make 2025 the year for serious progress in incorporating Habits of Abundance that can lead to more prosperity in all 3 Dimensions. The best way to start? Acknowledge where you are today, using the recently updated Habits of Abundance Assessment. This tool offers 12 statements in each of the 3 categories: Foundational, Intellectual, and Financial. As you go through all 36 habits, you’ll score
I’m sure you’ve experienced when you’re raising your kids, as parents, you want to pass along the values that have helped you in your life. When our oldest child, Ethan, was just seven years old, my wife, Harmony, and I decided to start early, helping him learn the value of working toward future goals while building a strong Financial Dimension. We talked with Ethan about his biggest financial goal: saving $10,000 for a religious mission that he would go on when he reached 18 years old. While that was years away at the time, we walked him through the importance of having a long-term vision and developing financial discipline. We also thought through ways he could start earning money, and decided to launch a little neighborhood business: posting American flags on patriotic holidays in the yards of our neighbors who subscribed to the annual service. A BUSINESS IS BORN Ethan and a couple of his friends and I woke up early several times that year (President’s Day, Memorial HELPING THEM CREATE A BRIGHT FUTURE TEACHING OUR KIDS HEALTHY FINANCIAL HABITS
Day, Fourth of July, etc.), to post flags, and gathered them up in the evening.
to church tithing or charity, 20% to savings, and the rest is for their own discretionary spending. To emphasize the importance of saving, we match their 20% in savings dollar-for-dollar.
Now we’re heading into our 10th anniversary year, and we’ve since been joined by our
HABITS ARE INSTILLED
daughters and about 30 neighborhood kids, including my nieces Shelby and Sienna. (The picture here is of our crew, at a recent “company party” to kick off the new year.)
Ethan is just a couple years away from that mission now (I can’t believe how fast time has flown!), and he’s
closing in on his big savings goal. Our daughters, Emily and Taylor are likewise setting aside money for long-term goals. It’s exciting to see that something that started when Ethan was young has since helped our three kids develop Habits of Abundance that can bless them throughout the rest of their lives. As you look to help your own kids or grandkids integrate values-based habits, I encourage you to involve them in the process, stay consistent even when it’s hard (some of those early mornings I wasn’t sure I was glad we started this whole thing), and trust that your diligence will all be worth it!
We service over 250 families in the area, and Ethan’s taken on some of the larger responsibilities, like creating and assigning routes, managing the crew, record keeping, etc. As part of the effort, we also teach the kids that a healthy Financial Dimension is about working hard and balancing priorities. Each child makes 20% in sales commission signing up customers door-to-door, and everyone makes the same wage for flag installation and take-down. Our top earners are now earning about $1,500+ a year.
To reinforce financial values, we pay the kids in three “envelopes”: 10% goes
–Emron Andrew
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WHAT’S AHEAD Throughout the coming year, I’m looking forward to diving deeper into the 3 Dimensions with you. In this month’s issue, we’re exploring aspects of the Financial Dimension (see articles on p. 2, 4, 6 and 7). As someone who has dedicated over five decades to helping families like yours strengthen not only your Financial Dimension, but your Foundational and Intellectual Dimensions as well—I can promise you, the
We all know the after-lunch slump leaves us counting the minutes to our next nap. But research shows that sleeping or lying down after eating isn’t the best for health (no matter how good it feels). When you do this, you’re not allowing your body the time it needs to digest your food properly, and you may experience various digestive issues, such as acid reflux and heartburn. We all want to stay healthy and keep our Foundational Dimension strong, but perhaps in a way that best fits our body’s needs. So, is walking the best activity to do after eating? WALK YOUR WAY TO BETTER DIGESTION
energy, time, and effort you put toward Authentic Wealth can pay dividends for generations to come. –Doug Andrew
The answer is yes!
FUN FOOD IDEAS
THE POST-MEAL WALK Walking is a light movement that can help your food move through your stomach and intestines, making digestion smoother. Not only can walking help improve your digestion after eating, but this simple exercise can also bring many other benefits:
OPULENT CHICKEN
• Regulating blood sugar levels • Managing blood pressure • Reducing the risk of heart disease • Boosting your mood • Improving sleep quality
This one-pan dish from the Andrew family makes your next chicken dinner irresistible—and easy!
Of course, regular exercise improves your overall health significantly, even if it’s just a quick walk around the neighborhood. Better yet, bring your family members along to stay connected and add to your Foundational Dimension even more! WHEN AND HOW LONG IS BEST? You gain the most digestive benefits if you walk right after eating. Waiting too long afterward may only minimally aid your digestive process. Be sure to get moving as soon after your meal as possible! As for frequency, ideally, you should go for a stroll after every meal. However, to get started, try going for a walk after dinner. You can increase your number of walks as you get accustomed to the exercise. Ten minutes is all you need to reap the benefits of walking after eating. While you can walk longer if you’d like, 10 minutes is doable even with a busy schedule. Plus, if you walk for 10 minutes after every meal, that’s 30 minutes of exercise daily! Take your dog with you or stroll with your family, engaging in conversations and growing even closer. So the next time you leave the table, lace up and know that you’re doing your mind, body, and Foundational Dimension a huge favor!
INGREDIENTS
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6 large chicken breasts
1/2 c sour cream
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6 slices Swiss cheese
1 sleeve Ritz crackers, crushed
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2 cans cream of chicken soup (undiluted)
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1 cube butter, melted
Spray a 9 x 13 pan with cooking spray. Place the chicken breasts in a single layer. Top each breast with 1 slice of cheese. Pour the cream of chicken soup over and around the chicken, spreading evenly. Top each chicken breast with sour cream. Mix the crushed crackers with melted butter, then sprinkle the topping over the chicken. Bake at 350 degrees for 1 hour + 45 minutes. DIRECTIONS
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BUSINESS VENTURES COMING UP?
Your Best Resource for Working Capital
Hank Freeman makes his money flipping real estate. Not just a house or two at a time—he purchases large-scale real estate like strip malls and apartment complexes, renovates them, sells them, and makes a handsome profit. Hank and his wife have four IUL LASER Funds, and Hank accesses tax-free income from his policies to use for real estate ventures. Joe Sherman is a developer, specializing in residential homes and commercial lodging. Since discovering IUL LASER Funds, he has changed his business model. He has seized the opportunity to have policies providing life insurance for him and his wife—and he puts those policies to work providing working capital for his developments. Bobby Collins has established IUL LASER Fund policies to provide for an income-tax-free death benefit for him and his wife, as well as for business opportunities. Bobby has leveraged his IUL LASER Funds to become something of a commercial bank himself. Bobby extends short-term loans to contractors at 16% to 18% interest. He borrows the money from the insurance company using his policies as collateral, lends it to the contractors, and returns the money to the policies as soon as they repay their loans.
this provides liquid access to cash, they’re often earning just 1% to 4% on the money in the account, and that growth is taxed. When they need to fund a project or acquisition, that interest rate goes down to 0% on any money they pull out. When they put money back in, they return to earning 4% or less. Compare that to IUL LASER Funds, which have historically averaged 5% to 10% growth, tax-free. And when you borrow from the insurance company using your IUL policy as collateral, the cash value remains in the policy collateralizing the loan. This means your money can still earn a rate of return, based on the performance of your index strategies. If you haven’t already, consider starting a policy soon so you can properly structure and maximum fund it in time for any upcoming business ventures. IUL’s flexibility, dependability, and tax advantages can make it an ideal catalyst for business growth. Learn more by ordering “The LASER Fund” using the QR code on p. 6.
REAL CLIENTS, REAL RESULTS What do each of these savvy entrepreneurs know?
That an IUL LASER Fund is a Swiss Army knife for just about every aspect of your life—including as a source of working capital for your business.
If you recognize these stories, it’s because they’re real-life clients profiled in our best selling book, “The LASER Fund.”
We have countless other clients who have likewise turned to their IUL LASER Fund for the liquidity, safety, predictable rates of return, and access to tax-free capital that IULs can provide. IUL’S WORKING CAPITAL ADVANTAGE Using an IUL LASER Fund for working capital offers significant advantages over traditional methods.
When saving for business ventures, people typically set aside money for short-term business needs in a business savings account. While
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MAKE IT EASY TO LEVEL UP IN 2025 THIS 1 THING CAN JUMPSTART YOUR RESOLUTIONS
It’s January, which means you’ve likely made your list of New Year’s Resolutions.
This is why when we meet with executives, entrepreneurs, and abundant-minded families, one of our biggest goals is to help you become experts at setting AND achieving your goals.
• Follow-up on your progress
throughout your goal achievement time-period, giving yourself any needed grace, time, or additional resources—and recalibrate as necessary. To make it easier, we have a tool that can help you do all of the above. It’s called The Goal Activator, and we’ve recently updated it for 2025. We invite you to download it for free and enjoy getting your new year—and your resolutions—off to a great start!
Congratulations on setting those goals, but be forewarned: It’s estimated that the failure rate for resolutions is 80% by mid- February (U.S News & World Report).
Because we don’t want you to experience that 80% failure rate.
Why is that?
So here are a few tips for reaching your goals in 2025:
• Change is hard. • Building new habits is challenging. • Motivation is tough to maintain. • Outstanding obstacles can often get in the way. • The steps we initially outline may not be realistic or need to be modified. As 3 Dimensional Wealth mentors, we believe life can be more fulfilling as we learn, progress, and elevate our lives in all 3 Dimensions: Foundational, Intellectual, and Financial. TOP 5 SKI RESORTS TO CROSS OFF YOUR BUCKET LIST FRESH POWDER, GREAT VIEWS & UNFORGETTABLE MEMORIES Planning your Family Retreat With a Purpose for the winter? Nothing brings everyone together like combining alpine adventures with opportunities to talk about your family values. Remember, a Family Retreat With a Purpose is the perfect chance to strengthen not only your bond but, ultimately, your Foundational Dimension. Whether you ski, snowboard, or just enjoy the snow, here are some of the best ski resorts to check out this season! STEAMBOAT SPRINGS, COLORADO A little less glitzy than some of the other popular ski resorts and towns in Colorado, Steamboat Springs is extremely family-
• Be very picky about the resolutions you set. • When possible, focus on just one-to- three primary goals at a time. • Set your “most likely to achieve” goal as your first big resolution for the year. (Progress is a big motivator, so make it more likely you’ll see positive results early on.) • Be wise and thorough in how you set your goal, planning ahead for obstacles, low motivation, etc. friendly with a Western vibe. Because Steamboat is tucked away in the northwest corner of Colorado, the area catches snow from both Utah and Wyoming, which means you can expect some of the best skiing powder. WHITEFISH MOUNTAIN RESORT, MONTANA While Whitefish Mountain Resort was originally a sleepy, quiet, and remote ski resort, it has gained popularity over the past few years, but it still remains an under-the-radar ski destination with friendly locals and smaller crowds. The serene spot is perfect for families looking to spend quality time together without the usual resort ruckus. For beautiful, lush Montana views and no ski lift lines, Whitefish is a must! MAD RIVER GLEN, VERMONT For an authentic, deep-mountain experience, Mad River Glen is considered the best skiing mountain in the East. It’s a ski-only resort (no snowboarding) that boasts single-chair chairlifts. The runs are long and the sights
Make it easier to achieve your goals—download The Goal Activator today!
are gorgeous while providing an amazing ski run, throwback style!
ASPEN, COLORADO Aspen just had to make this list! This incredibly popular ski resort has four
different mountains, providing a wide range of terrains for all different skill levels. The ski resort town is fun, upscale, and exciting, so there are endless ways for your family to amp up the adrenaline or unwind together. DEER VALLEY RESORT, UTAH Another renowned ski-only resort, Deer Valley is in Park City, with legendary customer service and unbelievable Utah powder. The chairlifts are speedy and efficient, and the trails are well-groomed. Lift lines are practically nonexistent, making for an exclusive experience! Don’t miss out on planning a winter Family Retreat With a Purpose. It’s a perfect way to build your crew’s Foundational Dimension, reinforce your most cherished values, have fun, and make memories to last a lifetime!
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LIKE A SWISS ARMY KNIFE FOR YOUR LIFE Empower Your Family with IUL’s Versatility
Here’s a quick exercise for you: Put a check by the Financial Dimension need(s) below that you currently have or anticipate having in the future.
Explore the IUL LASER Fund’s many advantages for your life. Order the “The LASER Fund” book today.
If you don’t already have an IUL LASER Fund, make 2025 the year you open a policy. We invite you to learn more about this superior financial vehicle by claiming your free copy of our best seller, “The LASER Fund.” Start your year off with a tool that can empower you and your family in critical ways!
ANOTHER QUESTION FOR YOU Which financial vehicle can provide all of the above?
You guessed it…a properly structured, maximum-funded Indexed Universal Life insurance policy, or what we call an IUL LASER Fund.
VERSATILITY & FLEXIBILITY Its versatility is practically unparalleled; it’s no wonder so many people call it the Swiss Army knife of financial vehicles.
What’s more, its advantages are significant:
• Liquidity to access money tax-free when you need it • Safety from market volatility with its 0% guaranteed floor • Predictable rates of return historically averaging 5% to 10% • Tax-free growth, access to tax-free income, and an income-tax- free transfer of your wealth upon your passing
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To help you stay abreast of market conditions, here we provide a monthly snapshot of trending indexes, as well as a resource to monitor your individual IUL performance.
Maturity Dates: 12.15.23 - 12.15.24 *S&P 500 one-year point-to-point with a participation rate of 100% and a cap of 10%. **S&P 500 Uncapped one-year point-to-point with a current spread/threshold of 6.5%, a participation rate of 100%, and no cap. ***BlackRock Endura (available through Pacific Life) one-year point-to-point with a participation rate of 200%, with no cap, with an additional multiplier of 2.36 times (for an extra cost of 7.5%).
BEGINNING INDEX VALUE
ENDING INDEX VALUE
INDEX CHANGE RATE
SAMPLE IUL RETURN
INDEX
S&P 500
4719.55 6074.08
28.70% 10%*
S&P 500 Uncapped
4719.55 6074.08
28.70% 22.2%**
BlackRock Endura
127.31
136.32
7.08% 25.92%***
HOW IS YOUR IUL LASER FUND PERFORMING? Scan the QR code to use our IUL Performance Calculator to see your unique IUL index returns. While there, get a quick look at samples of actual recent returns on other available indexes (like the one to the right)!
To help you optimize your index strategies, here we offer index recommendations based on current market conditions. Consult with your IUL specialist for guidance in making any desired changes when your current segments come up for maturity. Recommendations are not guarantees of future performance.
Up above, we showed the BlackRock Endura index with a multiplier, which is available exclusively from Pacific Life.
To understand how we arrived at the net return rate, here’s what to do: Start with the index return of 7.08% times a 200% participation rate, which equals 14.16% for your regular return. Then you multiply that by 2.36, for a gross return of 33.42%. Finally, you subtract the 7.5% multiplier cost, for the net return of 25.92%. Here you can see the impact of a multiplier, with your net return of 25.92% versus 14.16% (without the multiplier). Keep in mind, multipliers give you a great advantage during bull markets, but during bearish markets, you may want to turn them off.
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3 DIMENSIONAL WEALTH LIVING
ALSO IN THIS ISSUE ...
Teach Them About Money While They’re Young page 2
Essentials for Creating Your Legacy of Authentic Wealth
THE 36 HABITS YOUR FAMILY NEEDS NOW
Top 5 Ski Destinations page 5 A Swiss Army Knife for Your Life page 6
We all want greater abundance for our
families, but how to get there? Discover the tool that can kickstart it all Read more on Page 1 ...
Index Strategies to Watch Now page 7
8 3DimensionalWealth.com
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