Today I’m going to walk through something you almost never hear: the signs you might actually be saving too much for retirement. It sounds counterintuitive, but for some people, over-saving can come at the expense of their current life, flexibility, and overall fulfillment.

In this episode, I break down the key signals to watch for, like when your lifestyle is shrinking despite growing wealth, when you’re far ahead of financial benchmarks but still sacrificing meaningful experiences, or when your net worth is rising without increasing your sense of freedom or peace. What are the hidden downsides of overloading pre-tax retirement accounts, underinvesting in yourself, or accumulating money without a clear plan for how it supports your life?

The goal here is to help you find balance. Retirement planning should support both your future security and your present life. When done right, your money can create flexibility, opportunities, and a life you actually enjoy along the way.