Are you saving so much for retirement that it’s squeezing your life today? In this episode, Sean answers a viewer question about finding the right balance between preparing for the future and living fully in the present. Can you save too much? Are you over-saving at the expense of living now? Sean addresses the listener’s concern that he’s maxing out multiple accounts but still feels like he’s living paycheck to paycheck. It raises an important point: Is it possible to be too focused on the future and miss out on the present?
Sean digs into how saving can become addictive, why purpose-driven planning is the antidote, and what to do if you feel financially restricted despite doing everything “right.” You’ll learn how to determine if you’ve saved enough, the value of an income analysis, and how to rebalance your approach to money so that life today doesn’t get lost in pursuit of tomorrow. If you’ve ever wondered whether it’s okay to pull back a little and enjoy what you’ve built, tune in!
Here’s what we discuss in this episode:
💸 Can you save too much for retirement?
🧭 Why “starting with the end in mind” matters most
📉 The real risk of under-saving and over-saving
🧠 How your past shapes your money biases today
✈️ What pilots need to know about timing, taxes, and lifestyle
0:00 – Intro
0:30 – Listener question
2:42 – Do you have a plan?
4:25 – Savings Benchmark Calculators
5:39 – Scaling back from savings
7:22 – The need for income analysis
Show Resources:
- Rowe Price Benchmark Calculator: https://www.troweprice.com/personal-investing/resources/insights/youre-age-35-50-or-60-how-much-should-you-have-by-now.html
Looking Back From The Mountaintop
