The idea of retiring and permanently giving up your paycheck can be scary. In fact, some people opt to delay retirement because they're worried about that transition.

Making matters worse is that many Americans fail to save adequately for retirement. But if you make an effort to fund your 401(k) or IRA consistently, then you could end up with a sizable nest egg by the time your career comes to a close.

Of course, it's a good thing to aim for a healthy retirement portfolio. But if you're not careful, you might end up with too much set aside for your golden years. And yes, there is such a thing as a nest egg that's too big.

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Source Fool.com