Why Your Retirement Number Is Wrong (The Math) скачать в хорошем качестве

Why Your Retirement Number Is Wrong (The Math)

Why Your Retirement Number Is Wrong (The Math) Most financial advisors tell you to plan for 3% inflation every single year. They tell you that your spending must rise indefinitely to keep up with the cost of living. But for millions of retirees, this calculation is fundamentally wrong. In this video, we break down the "Inflation Illusion." If you are approaching retirement with a paid-off home and no debt, your personal inflation rate is likely much lower than the headline CPI numbers suggest. We analyze the math behind two identical retirees—one who rents and one who owns—to show how a paid-off life creates a mathematical force field against rising prices. We also cover why Social Security COLAs (Cost of Living Adjustments) act as a "surplus bonus" for homeowners rather than just a catch-up mechanism. In this video, we cover: 🇺🇲Why the 3% inflation rule is a myth for homeowners. 🇺🇲The "Hidden" Math: How removing housing costs changes your retirement number. 🇺🇲Why retiree spending naturally declines (and why models ignore this). 🇺🇲The Hierarchy of Inflation Protection: From housing to healthcare. 🇺🇲Renting vs. Owning: The difference between "Reset Risk" and "Control." ⏱️ Timestamps: 0:00 - The 3% Inflation Myth 0:58 - The $100k Experiment (Renter vs. Owner) 1:42 - Why CPI Is Misleading for Retirees 2:35 - The "Real" Inflation Rate Revealed 3:40 - The Natural Spending Decline (1% Rule) 4:25 - The Hierarchy of Inflation Protection 5:10 - Social Security & The "Bonus" Surplus 5:45 - Final Verdict: Risk vs. Control 🔔 Subscribe to Signal & Capital for more insights on wealth, psychology, and financial freedom. #RetirementPlanning #Inflation #PersonalFinance #FinancialFreedom #Retirement #SocialSecurity #Investing #SignalAndCapital Disclaimer: The content in this video is for educational and entertainment purposes only. I am not a financial advisor. Please consult with a professional before making any financial decisions.