According to Empower, the average 65-74 year old on their dashboard has $1.14M saved, yet fear paralyzes many from enjoying it. Learn the 5 signs you are over-saving at the expense of your life.

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Video Chapters 0:47 - The five signs of retirement over-saving 4:34 - Sign 1: Am I just maxing out my 401(k) because I don't know what else to do? 9:59 - Sign 2: Fear of Inflation 18:46 - Sign 3: Greed 27:15 - Sign 4: Did I put too much money inside my traditional pre-tax 401(k) bucket? 30:07 - Sign 5: Am I trading my healthy "go-go" years away for a tiny portfolio return? Shifting from account numbers to physical health currency . 31:48 - Bonus Sign: Am I setting up my family for an expensive, unplanned conflict? 33:03 - Reacting to @MoneyGuyShow

Sources: @MoneyGuyShow - How Much Should I Save To Retire Early? https://youtube.com/shorts/8StrdP0-dVU?si=zr_WCl3VWpkgWR86

Insights provided by Chris Rett, CFP®, AIF® and Hayden Pudenz of Modern Wealth Management

Empower Estimates: Are You Ready for Retirement? (2026 Average Retirement Savings Data)

https://www.empower.com/the-currency/money/average-retirement-savings-by-age

https://www.federalreserve.gov/econres/scf/dataviz/scf/table/#series:Retirement_Accounts;demographic:agecl;population:all;units:median;range:1989,2022

https://www.allianzlife.com/about/newsroom/2026-Press-Releases/Fear-Of-Running-Out-of-Money-Over-Death-At-Record-High

https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-required-minimum-distributions-rmds

https://bradfordtaxinstitute.com/Endnotes/IRC_Section_401a9.pdf

https://www.law.cornell.edu/uscode/text/26/401

https://www.philanthropyroundtable.org/hall-of-fame/andrew-carnegie/

______ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser.

The views expressed represent the opinion of Modern Wealth Management, a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.