{"id":43862,"date":"2023-12-28T15:56:32","date_gmt":"2023-12-28T20:56:32","guid":{"rendered":"https:\/\/ilgfinancial.com\/staging\/2370\/?p=43862"},"modified":"2023-12-28T15:56:32","modified_gmt":"2023-12-28T20:56:32","slug":"daves-pick-opinion-the-moment-i-realized-were-saving-too-much-for-retirement","status":"publish","type":"post","link":"https:\/\/ilgfinancial.com\/staging\/2370\/daves-pick-opinion-the-moment-i-realized-were-saving-too-much-for-retirement\/","title":{"rendered":"Dave&#8217;s Pick: &#8220;Opinion: The moment I realized we\u2019re saving too much for retirement&#8221;"},"content":{"rendered":"<p><em><img decoding=\"async\" class=\"wp-image-43863 alignright\" src=\"https:\/\/ilgfinancial.com\/staging\/2370\/wp-content\/uploads\/2023\/12\/January-10-1024x682.jpg\" alt=\"\" width=\"508\" height=\"338\" srcset=\"https:\/\/ilgfinancial.com\/staging\/2370\/wp-content\/uploads\/2023\/12\/January-10-200x133.jpg 200w, https:\/\/ilgfinancial.com\/staging\/2370\/wp-content\/uploads\/2023\/12\/January-10-300x200.jpg 300w, https:\/\/ilgfinancial.com\/staging\/2370\/wp-content\/uploads\/2023\/12\/January-10-400x266.jpg 400w, https:\/\/ilgfinancial.com\/staging\/2370\/wp-content\/uploads\/2023\/12\/January-10-600x400.jpg 600w, https:\/\/ilgfinancial.com\/staging\/2370\/wp-content\/uploads\/2023\/12\/January-10-768x512.jpg 768w, https:\/\/ilgfinancial.com\/staging\/2370\/wp-content\/uploads\/2023\/12\/January-10-800x533.jpg 800w, https:\/\/ilgfinancial.com\/staging\/2370\/wp-content\/uploads\/2023\/12\/January-10-1024x682.jpg 1024w, https:\/\/ilgfinancial.com\/staging\/2370\/wp-content\/uploads\/2023\/12\/January-10-1200x799.jpg 1200w, https:\/\/ilgfinancial.com\/staging\/2370\/wp-content\/uploads\/2023\/12\/January-10.jpg 1282w\" sizes=\"(max-width: 508px) 100vw, 508px\" \/>Published by <a href=\"https:\/\/www.cnn.com\/\" target=\"_blank\" rel=\"noopener\">CNN.com<\/a><\/em><\/p>\n<p><em>Written by Bill Perkins<\/em><\/p>\n<p>&#8220;When you\u2019re planning a vacation, you probably think about where you want to go, how you\u2019ll get there, and what you want to do once you\u2019re there. When you know all that, you can easily figure out how much money you\u2019ll need to make this vacation a reality.&#8221;<\/p>\n<p>&#8220;But when people are planning the biggest, longest vacation of their lives \u2014 their retirement \u2014 most don\u2019t do any of that. They\u2019re thinking about how to save money, where to invest these savings, and how to minimize their tax burden, and yet they have only a vague sense of how they want to spend their free time or what their health will enable them to do as they age.<\/p>\n<p>&#8220;That\u2019s the big error people make in planning for retirement: They\u2019re focusing on the money, without nearly enough thought to the activities that they will actually be doing.<\/p>\n<p class=\"paragraph inline-placeholder\" data-uri=\"cms.cnn.com\/_components\/paragraph\/instances\/clp8l3s4100093b6h5ke23yi7@published\" data-editable=\"text\" data-component-name=\"paragraph\" data-article-gutter=\"true\" data-analytics-observe=\"off\">&#8220;Watching my dad in the last decade of his life brought this point home for me. My dad, who had played football for the New York Jets before becoming a lawyer and a politician, was a big, strong guy even in his 70s. But by then his knees bothered him, to the point where getting up and moving was too much of a hassle.<\/p>\n<p class=\"paragraph inline-placeholder\" data-uri=\"cms.cnn.com\/_components\/paragraph\/instances\/clp8l3s41000a3b6hq3a94tfr@published\" data-editable=\"text\" data-component-name=\"paragraph\" data-article-gutter=\"true\" data-analytics-observe=\"off\">&#8220;I remember my older sister urging me to visit him and to say I was downstairs \u2014 she knew that that\u2019s what it would take to get Dad to come down. He just didn\u2019t want to leave his room for anybody else, not even for the physical therapy he needed.<\/p>\n<p data-uri=\"cms.cnn.com\/_components\/paragraph\/instances\/clp8l3s41000a3b6hq3a94tfr@published\" data-editable=\"text\" data-component-name=\"paragraph\" data-article-gutter=\"true\" data-analytics-observe=\"off\">&#8220;What really brought him joy at that point in his life was looking at an iPad I had filled with footage of him from his years as a college football star. As I watched him reminisce with pleasure about the glory days of his youth, it hit me: You don\u2019t retire on your money \u2014 you retire on your memories! It was then that I realized I\u2019d better create some meaningful memories now, and I\u2019ve been doing that ever since.<\/p>\n<p data-uri=\"cms.cnn.com\/_components\/paragraph\/instances\/clp8l3s41000a3b6hq3a94tfr@published\" data-editable=\"text\" data-component-name=\"paragraph\" data-article-gutter=\"true\" data-analytics-observe=\"off\">&#8220;Planning your activities with timing in mind is essential for making the most of your money and your life now and into your retirement years.\u00a0If you don\u2019t think about your future activities, how can you possibly know how much money to save? You\u2019ll either save too little, or you\u2019ll risk becoming one of the millions of Americans who keep accumulating wealth well into their 60s and beyond.<\/p>\n<p class=\"paragraph inline-placeholder\" data-uri=\"cms.cnn.com\/_components\/paragraph\/instances\/clp8l3s41000d3b6hds80l2lc@published\" data-editable=\"text\" data-component-name=\"paragraph\" data-article-gutter=\"true\" data-analytics-observe=\"off\">&#8220;I know it sounds strange to call that a \u201crisk,\u201d as most people don\u2019t think of accumulating wealth into old age as a negative, but that\u2019s exactly my point: People need to realize that saving for too long is a waste if you delay gratification to the point where there is little to no gratification to be had.&#8221;<\/p>\n<p data-uri=\"cms.cnn.com\/_components\/paragraph\/instances\/clp8l3s41000d3b6hds80l2lc@published\" data-editable=\"text\" data-component-name=\"paragraph\" data-article-gutter=\"true\" data-analytics-observe=\"off\">Click <a href=\"https:\/\/www.cnn.com\/2023\/11\/22\/opinions\/retirement-planning-savings-perkins\/index.html\" target=\"_blank\" rel=\"noopener\">here<\/a> to continue reading.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Published by CNN.com Written by Bill Perkins &#8220;When you\u2019re planning a vacation, you probably think about where you want to go, how you\u2019ll get there, and what you want to do once you\u2019re there. When you know all that, you can easily figure out how much money you\u2019ll need to make this vacation a reality.&#8221; &#8220;But when people are planning the biggest, longest vacation of their lives \u2014 their retirement \u2014 most don\u2019t do any of that. They\u2019re thinking about how to save money, where to invest these savings, and how to minimize their tax burden, and yet they have only a vague sense of how they want to spend their free time or what their health will enable them to do as they age. &#8220;That\u2019s the big error people  [&#8230;]<\/p>\n","protected":false},"author":48,"featured_media":43863,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","footnotes":""},"categories":[3259],"tags":[],"class_list":["post-43862","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retirement-planning-2"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Dave&#039;s Pick: &quot;Opinion: The moment I realized we\u2019re saving too much for retirement&quot; - ILG Financial<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ilgfinancial.com\/daves-pick-opinion-the-moment-i-realized-were-saving-too-much-for-retirement\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Dave&#039;s Pick: &quot;Opinion: The moment I realized we\u2019re saving too much for retirement&quot; - ILG Financial\" \/>\n<meta property=\"og:description\" content=\"Published by CNN.com Written by Bill Perkins &#8220;When you\u2019re planning a vacation, you probably think about where you want to go, how you\u2019ll get there, and what you want to do once you\u2019re there. When you know all that, you can easily figure out how much money you\u2019ll need to make this vacation a reality.&#8221; &#8220;But when people are planning the biggest, longest vacation of their lives \u2014 their retirement \u2014 most don\u2019t do any of that. They\u2019re thinking about how to save money, where to invest these savings, and how to minimize their tax burden, and yet they have only a vague sense of how they want to spend their free time or what their health will enable them to do as they age. &#8220;That\u2019s the big error people [...]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ilgfinancial.com\/daves-pick-opinion-the-moment-i-realized-were-saving-too-much-for-retirement\/\" \/>\n<meta property=\"og:site_name\" content=\"ILG Financial\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/ILGFinancial\/\" \/>\n<meta property=\"article:published_time\" content=\"2023-12-28T20:56:32+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ilgfinancial.com\/wp-content\/uploads\/2023\/12\/January-10.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1282\" \/>\n\t<meta property=\"og:image:height\" content=\"854\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Brooks Brown\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@ILGFinancial\" \/>\n<meta name=\"twitter:site\" content=\"@ILGFinancial\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Brooks Brown\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/ilgfinancial.com\\\/daves-pick-opinion-the-moment-i-realized-were-saving-too-much-for-retirement\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/ilgfinancial.com\\\/daves-pick-opinion-the-moment-i-realized-were-saving-too-much-for-retirement\\\/\"},\"author\":{\"name\":\"Brooks Brown\",\"@id\":\"https:\\\/\\\/ilgfinancial.com\\\/#\\\/schema\\\/person\\\/d88cf660132b40bbe0f571b716edf1cf\"},\"headline\":\"Dave&#8217;s Pick: &#8220;Opinion: The moment I realized we\u2019re saving too much for retirement&#8221;\",\"datePublished\":\"2023-12-28T20:56:32+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/ilgfinancial.com\\\/daves-pick-opinion-the-moment-i-realized-were-saving-too-much-for-retirement\\\/\"},\"wordCount\":508,\"publisher\":{\"@id\":\"https:\\\/\\\/ilgfinancial.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/ilgfinancial.com\\\/daves-pick-opinion-the-moment-i-realized-were-saving-too-much-for-retirement\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/ilgfinancial.com\\\/staging\\\/2370\\\/wp-content\\\/uploads\\\/2023\\\/12\\\/January-10.jpg\",\"articleSection\":[\"Retirement Planning\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/ilgfinancial.com\\\/daves-pick-opinion-the-moment-i-realized-were-saving-too-much-for-retirement\\\/\",\"url\":\"https:\\\/\\\/ilgfinancial.com\\\/daves-pick-opinion-the-moment-i-realized-were-saving-too-much-for-retirement\\\/\",\"name\":\"Dave's Pick: \\\"Opinion: The moment I realized we\u2019re saving too much for retirement\\\" - 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When you know all that, you can easily figure out how much money you\u2019ll need to make this vacation a reality.&#8221; &#8220;But when people are planning the biggest, longest vacation of their lives \u2014 their retirement \u2014 most don\u2019t do any of that. They\u2019re thinking about how to save money, where to invest these savings, and how to minimize their tax burden, and yet they have only a vague sense of how they want to spend their free time or what their health will enable them to do as they age. &#8220;That\u2019s the big error people [...]","og_url":"https:\/\/ilgfinancial.com\/daves-pick-opinion-the-moment-i-realized-were-saving-too-much-for-retirement\/","og_site_name":"ILG Financial","article_publisher":"https:\/\/www.facebook.com\/ILGFinancial\/","article_published_time":"2023-12-28T20:56:32+00:00","og_image":[{"width":1282,"height":854,"url":"https:\/\/ilgfinancial.com\/wp-content\/uploads\/2023\/12\/January-10.jpg","type":"image\/jpeg"}],"author":"Brooks Brown","twitter_card":"summary_large_image","twitter_creator":"@ILGFinancial","twitter_site":"@ILGFinancial","twitter_misc":{"Written by":"Brooks Brown","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/ilgfinancial.com\/daves-pick-opinion-the-moment-i-realized-were-saving-too-much-for-retirement\/#article","isPartOf":{"@id":"https:\/\/ilgfinancial.com\/daves-pick-opinion-the-moment-i-realized-were-saving-too-much-for-retirement\/"},"author":{"name":"Brooks Brown","@id":"https:\/\/ilgfinancial.com\/#\/schema\/person\/d88cf660132b40bbe0f571b716edf1cf"},"headline":"Dave&#8217;s Pick: &#8220;Opinion: The moment I realized we\u2019re saving too much for retirement&#8221;","datePublished":"2023-12-28T20:56:32+00:00","mainEntityOfPage":{"@id":"https:\/\/ilgfinancial.com\/daves-pick-opinion-the-moment-i-realized-were-saving-too-much-for-retirement\/"},"wordCount":508,"publisher":{"@id":"https:\/\/ilgfinancial.com\/#organization"},"image":{"@id":"https:\/\/ilgfinancial.com\/daves-pick-opinion-the-moment-i-realized-were-saving-too-much-for-retirement\/#primaryimage"},"thumbnailUrl":"https:\/\/ilgfinancial.com\/staging\/2370\/wp-content\/uploads\/2023\/12\/January-10.jpg","articleSection":["Retirement Planning"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/ilgfinancial.com\/daves-pick-opinion-the-moment-i-realized-were-saving-too-much-for-retirement\/","url":"https:\/\/ilgfinancial.com\/daves-pick-opinion-the-moment-i-realized-were-saving-too-much-for-retirement\/","name":"Dave's Pick: \"Opinion: The moment I realized we\u2019re saving too much for retirement\" - 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