One spouse is ready for retirement, the other…not so much. Does this sound familiar? This was the situation Becca and Jim found themselves in. They had saved more than enough to retire but had deeper concerns that were taken care of through a few in-depth conversations. All this is to say, don’t over-save for retirement. Don’t get me wrong, over-saving is better than under-saving, but every year you put off retirement is a year that you’ll never get back. If there’s one thing I’ve learned from working with retirees is that TIME is our most valuable resource.