The Retirement Trap: Why Saving Your Whole Life Still Leaves You Broke | Prof. Jiang Xueqin

You followed the rules your entire life. You worked hard. You saved every month. You contributed to your 401(k). You did everything they told you to do. And yet somehow — you still end up broke in retirement. Why?
In this video, Prof. Jiang Xueqin breaks down the hidden structure of the modern retirement system using game theory, historical analysis, and real financial data to expose why the retirement trap is not your failure — it is by design.
📌 In this video you will learn:

Why the 401(k) system was never built to make you rich
How hidden fees silently steal up to one-third of your entire retirement savings
Why inflation destroys your savings faster than you can build them
What the ultra-rich do instead of saving for retirement
The 5 practical steps you can take RIGHT NOW to escape the retirement trap

📊 Key facts covered:

1 in 5 Americans over 50 have zero retirement savings (AARP 2024)
79% of Americans say the country is in a retirement crisis (NIRS 2024)
Hidden 401(k) fees can cost the average family $155,000 over a lifetime (Demos Research)
40% of retirees fear outliving their savings (Clever Real Estate Survey)
54% of retirees were shocked by how much retirement actually costs

This is not financial advice. This is financial education — the kind that was never taught in school.
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