If you’ve wondered how people actually spend their money once they’re retired, a new study from the Michigan Retirement Research Center at the University of Michigan can help you out.

Americans who save for retirement throughout their working lives, the study found, often hold tight to those funds after they retire.

While couples’ retirement spending patterns keep their wealth relatively stable over time, the study found, that changes—as one might expect—once they start paying for such things as medical care, nursing homes and other end-of-life expenses.

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