Titles, titles, titles....
The original title was,
"The Point Where Retirees Get Richer While Spending More..."
Immediately, I can see the first 3 words are not giving anything valuable and worth for the video itself. Even if you just drop those 3 words and make the title like this I think it will work better.
"Retirees Get Richer While Spending More..."
But I'm not that lazy, so I wrote an even cleaner title that complements the thumbnail.
"How are retirees spending MORE but getting RICHER?"
See? the first 3 words give context about the video, retirees. So if a retiree sees the title they immediately stop cuz it's something related to them. Then they read the full title and the thumbnail.