Скачать или смотреть Inflation and Retirement | Understanding Inflation Part 2

Inflation affects every retiree often in ways that aren’t obvious until it’s too late. In this video, GuidedChoice Chief Investment Strategist Tom Anichini breaks down the core drivers of inflation so you can protect your spending power and plan confidently for retirement.

Inflation remains one of the most important forces affecting retirement planning, budgeting, and long-term investment strategy. Even when inflation slows, higher prices don’t simply fall—they become the new baseline retirees must plan around. In this educational video, Tom Anichini, CFA®, CFP®, explains the four major types of inflation—cost-push, demand-pull, structural, and built-in—and how each one can influence the cost of living for retirees.

You’ll also learn how inflation is measured in the United States using CPI, PPI, and chain-weighted CPI, and why those differences matter when planning for healthcare, housing, travel, and everyday spending. Understanding these factors is essential for maintaining your spending power and avoiding costly surprises in retirement.

At GuidedChoice and 3Nickels, our approach centers on fiduciary-aligned retirement guidance, long-term planning, and helping Americans build financial wellness with tools that simplify budgeting, investment decisions, and retirement income planning. This video equips you with foundational knowledge so you can make confident choices and use your retirement benefits more effectively.

Key Takeaways

What causes inflation to rise? Cost-push, demand-pull, structural, and built-in inflation all contribute to rising prices in different ways.

How does inflation impact retirees? Inflation reduces purchasing power, makes everyday expenses more expensive, and increases the risk of outliving your savings.

What income sources adjust for inflation? Some benefits, such as Social Security’s COLA, increase annually to help offset rising costs.

How is inflation measured in the U.S.? The Bureau of Labor Statistics tracks Producer Price Inflation (PPI) and Consumer Price Inflation (CPI), including chain-weighted CPI.

How do individuals manage inflation?** Substitutions, cutting expenses, relocating, or taking part-time work can help maintain financial stability.

Why inflation persistence matters for retirement planning?** Feedback loops—like rising wages and input costs—can keep inflation elevated longer than expected.

Chapters

00:00 — Introduction: Why Inflation Still Matters
00:15 — What Inflation Really Is
00:40 — Cost-Push Inflation: Rising Input Costs
01:31 — Demand-Pull Inflation: Surges in Demand
02:12 — Structural Inflation: Limited Producers
02:30 — Built-In Inflation: Wages & Contracts
03:04 — How Inflation Is Measured (CPI vs PPI)
03:57 — Chain-Weighted Inflation Explained
04:47 — How Households Feel Inflation
05:14 — How Policymakers Respond to Inflation
05:49 — How Individuals Manage Higher Costs
06:41 — Examples of Budget Adjustments
07:00 — Final Takeaways for Retirees

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Disclosure: This content is for general informational purposes only and does not constitute legal, or investment advice. Investing involves risk, including possible loss of principal. Past performance is not indicative of future results.