Video Description

Want a second opinion without the typical advisor sales pressure? www.theretirementguy.com Enjoy life while you’re active—without running out of money later. Most retirement plans force you to underspend early, leaving you with excess money when it’s too late to enjoy it. Our SECURiMENT™ Review flips the script, helping you safely spend more in your younger, healthier years while ensuring long-term financial security. To learn more about our flat fee services without the pressure of buying something or moving your money - go to www.theretirementguy.com Is your retirement budget lying to you? In this video, Retirement Planner Darryl Rosen breaks down 5 surprising truths about how real retirees spend their money—and why traditional budgeting often falls short. Drawing on JP Morgan’s study of over 280,000 households, we explore spending patterns that are far from predictable. From dynamic retirement spending, partial retirement surges, and healthcare cost spikes, to volatility in the first three years and the underrecognized risk of sequence of returns, this video will help you rethink how to structure a smarter, more flexible retirement plan. You’ll hear real client stories about unexpected expenses, helping adult children, market timing gone wrong, and the emotional side of spending decisions. If you’re planning for retirement—or already there—you’ll learn why linear retirement budgets are outdated and how to build a plan that adjusts with real life. ✅ Perfect for pre-retirees, new retirees, and anyone wanting more clarity around retirement income planning, financial freedom, and longevity risk. 📍Visit theretirementguy.com for a second look at your retirement plan—with zero pressure to buy or move your assets. Don’t forget to like, subscribe, and hit the bell for more insights on building a confident, purpose-filled retirement! #RetirementPlanning #FinancialFreedom #RetirementSpending #WealthManagement #HealthcareCosts #SequenceOfReturns #TheRetirementGuy #FinancialAdvice 00:00 Introduction 02:17 Spending is dynamic 05:10 Retirement isn't all or nothing 07:47 Spending zigs and zags 09:49 Healthcare costs 11:55 The biggest risk of all