Key Takeaways After saving for decades, you might find yourself spending modestly in retirement—so modestly, in fact, that you'll end up having enough funds to leave money to your heirs. Starting early and maximizing tax-advantaged accounts are key strategies for building retirement savings. It’s a good problem to have: you've saved too much money for retirement, so you'll need to leave funds to your heirs. In fact, it's not a problem at all. Here’s a look at what the data says about people who get ...