J.P. Morgan Studied 5 Million Retirees—Here Are The 3 Shocking Spending Surprises!

00:00 Intro
00:44 Lifetime Spending Curve
01:17 Inflation & Real Spending
02:23 Retirement Spending Surge
03:23 Sequence of Returns Risk
04:28 Spending Volatility Throughout Retirement
05:49 Category-Based Model for Retirement Spending
06:12 3 Distinct Phases of Spending
07:49 Comparing Spending Models
09:11 Overestimation vs Real World Data
11:00 Bloopers

Most retirement plans assume your spending will increase every year—but what if that’s not true? J.P. Morgan studied 5 million retirees and uncovered 3 shocking retirement spending surprises that could change how much you actually need to save. From the unexpected spending surge around retirement to the reality of long-term spending declines, this data challenges traditional financial planning models. Watch now to learn how these insights can help you optimize your savings, avoid over-saving, and create a smarter retirement strategy!