We’ve all heard that Americans don’t save enough for retirement, but what if the opposite is true for you? Can you save too much? In this episode, Scott tackles a surprising but important question raised by a listener: “Are we over-saving at the expense of living now?” As an airline professional, it can be easy to feel like you’re doing too little, or maybe even too much. This conversation helps you find the balance.

Scott breaks down why the answer isn’t always in the math, but in the vision. He walks through how your career trajectory, past sacrifices, current cash flow, and future lifestyle goals can all play a potential role in determining whether your savings rate is just right or in need of adjustment.

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Here’s some of 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

1:10 – Can I save too much?

8:18 – Using online savings calculators

10:28 – The importance of a retirement strategy

13:42 – The Psychology of Money

Rowe Price Calculator:

https://www.troweprice.com/personal-investing/resources/insights/youre-age-35-50-or-60-how-much-should-you-have-by-now.html

Resources for this episode:

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Scott’s Book, A Pilot’s Guide To Maximizing Wealth & Cashflow In Retirement