Annuities vs. Max-Funded IUL or Bitcoin: Which Is Better for Your Retirement in 2025?

(And What If There’s a Third Option You Haven’t Considered Yet That Goldilocks Would Approve?)

The Crossroads of Retirement Planning in 2025

In 2025, the question facing most Americans preparing for retirement is no longer just, “Have I saved enough?” Instead, it’s “What’s the smartest and most tax-efficient way to turn my nest egg into income I can’t outlive?”

Today, on mainstream media and online channels via “finfluencers” on social media and YouTube, GenX and Boomer investors are being steered toward annuities or max-funded Indexed Universal Life (IUL) policies, each with powerful advocates and compelling use cases.

For example, Doug Andrew, the author of The LASER Fund, makes a strong case for IULs, suggesting they offer better liquidity, higher tax efficiency, and superior growth compared to traditional annuities. But while that may hold true for some investors, no product is perfect for everyone.

And what if there’s a third path—one that…