Can saving too much in a 401(k) actually create problems in retirement? In this episode, Mike Douglas explores why many diligent savers later worry about taxes, account concentration, and limited flexibility. The conversation breaks down how 401(k)s work, the role of Roth options, and why having all your retirement money in one tax bucket can complicate income decisions later. Mike walks through the different phases of retirement planning—accumulation, preservation, and distribution—and explains why diversification across account types matters as retirement gets closer.

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