Ep 108 - Have You Worked Too Long and Saved Too Much?

Ep 108 - Have You Worked Too Long and Saved Too Much?

From The Humans vs Retirement Podcast by Dan Haylett

April 16, 2026 · 18 min · Season 7 · Episode 108

About this episode

Dan Haylett discusses the overlooked issue of working too long and saving too much, leading to regrets in retirement.

The episode where we say the unsayable Everyone's worried about people not saving enough. That's the crisis. That's the narrative. But there's another problem. One the financial industry almost never talks about. Some of you did everything right — and it cost you everything that matters. This week, Dan goes against the grain to talk about the people who optimised so well for the future that they destroyed their present. High earners. Diligent savers. Responsible, prudent, disciplined people who maxed out their pensions, lived below their means, and delayed gratification for decades. And arrived at retirement with knackered knees, an empty marriage, and a body that can't do the things they saved up to do. This one's for you. What we cover The David story — 68 years old, £1.2m in the bank, house paid off, income sorted. And filled with regret. Not because he failed. Because he succeeded too well — and worked until 66 when he could have stopped at 60. The narrative that's been selling you a lie — Work hard. Save more. Sacrifice now for security later. That story made sense at 30. But if you're 55 with a bad back and a partner you barely know anymore, it stopped making sense a long…

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Host: Dan Haylett

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