Is It Possible to Save too Much for Retirement?

You want to take full advantage of your tax-advantaged accounts like a 401k or Traditional IRA to minimize how much hard-earned money you must give up. However, some people may be hesitant to contribute more to their retirement accounts because they expect high fees to access their money before 59.5 years old. You may be leaving significant earnings potential on the table by doing so, but some would rather the freedom to access their money without worrying about fees.

This brings me to the question, would we ever regret contributing too much to our tax-advantaged retirement accounts, and what strategies exist to access the money earlier?