Quick coffee break tip: Saving for retirement is smart, but overdoing it can backfire. If you stash too much in your 401(k) or IRA, you might face big tax bills when you finally tap those funds, and you could miss out on fun or emergencies because your cash is locked up. Balance is key—enjoy life now, keep an emergency fund handy, and don’t let your golden years be all about penny-pinching! #Business #MakeMoney #retirement