Saving too much? For retirement?
When I run ESPlanner it suggests this year I should save tens of thousands less (the recommended amount is negative savings), increase discretionary spending by tens of thousands, and reduce life insurance to zero for myself and my spouse.
I interpret that as ESPlanner telling me I'm saving too much. Question: why would it ever tell me I'm saving too much? Wouldn't saving more just increase my Living Standard Per Adult? (I guess I am thinking that saving more now, should increase my future Living Standard Per Adult, and future Living Standard is what ESPlanner is generating).
What I really want to know is can I retire this year and not have my current living standard decline -- what are good indicators from ESPlanner that would answer that?