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A groundbreaking JP Morgan study just revealed something that could completely change the way we plan for retirement. Scott breaks down three of the biggest surprises revealed by new data from 280,000 households, showing that retirement spending doesn’t rise in a straight line, but bends, dips, and shifts over time. Planning for real life and ditching the outdated assumptions will help you create more freedom and confidence in retirement.

Three New Spending Surprises, JP Morgan 2025 Study: https://listentoscott.com/wp-content/uploads/2025/10/Retirement-Spending-Suprises-JP-Morgan-2025.pdf 

Here’s what we cover in this episode:

📊 New Data Drop: JP Morgan’s study on 280,000 households

💸 Spending Curve: Why expenses rise, fall, and shift with age

⚖️ Inflation Myth: Real spending grows slower than expected

🔁 Partial Retirement: How working longer affects spending

💰 Smart Strategy: Buckets, cash reserves, and liquidity for curveballs

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October is known for cooler weather, pumpkins, and Halloween. But did you know it’s also Financial Planning Month? While it might not come with costumes or candy, it’s a perfect reminder to pause, take stock, and be intentional with your money. Today, Sean shares a practical checklist for reviewing your finances, from asking the right questions to writing down your goals and checking in on your spending habits. A little reflection now can go a long way toward making your financial future more secure… and less scary.

Here’s what we discuss in this episode:

📊 Take Inventory: gather all accounts (including those you may have forgotten about)

🎯 Set Milestones: celebrate progress and reward smart savings

🔁 Stay Consistent: small adjustments now create long-term success

🏆 Enjoy the Process: planning is about balance, not restriction

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