You're Probably Saving TOO MUCH for Retirement (Here's Why)

Описание: Many Americans keep saving for retirement without realizing they may already be financially secure. In this video, we break down when to stop saving for retirement using the powerful Funded Ratio framework explained by Certified Financial Planner Matt Calcagno.

You’ll learn how to calculate your true retirement number, why the traditional 4% rule may be too conservative, and how a 5% withdrawal rate has historically worked for most retirees. We explain step by step how to factor in Social Security, pensions, and investment accounts to determine whether your retirement is already fully funded.

This video also exposes the hidden dangers of oversaving, including:

Why saving beyond a 130–150% funded ratio delivers diminishing returns

How fear keeps even millionaires working longer than necessary

Why real retirement spending naturally declines with age

How flexibility in spending dramatically improves retirement success

Most importantly, we cover the retirement tax trap:

How excessive 401(k) and IRA savings can trigger massive RMD tax bills

Why early retirement years are the best time for Roth conversions

How to lower future taxes, protect Social Security income, and build a tax-free legacy

If you’re over 50, approaching retirement, or wondering whether you’re saving too much instead of enjoying life, this video will change how you think about retirement forever.

👉 Stop oversaving. Start living. Make your money work for your life — not the other way around.