Skip to navigationSkip to main contentSkip to right columnADVERTISEMENTVishesh RaisinghaniSun, July 5, 2026 at 2:35 PM GMT+2 5 min readEnvatoMoneywise and Yahoo Finance LLC may earn commission or revenue through links in the content below.The core habits that helped you build a sizable retirement nest egg might also be silently sucking away the joy from your retired years.For many savvy savers and investors, delayed gratification is the engine of their financial success. They've probably spent decades maxing out 401(k) plans, reinvesting dividends and resisting the urge to splurge. That instinct to leave money untouched does not switch off the day you stop working. So, when required minimum distributions kick in at age 73, millions of retirees take out the smallest amount the IRS allows and not a dollar more.Top PicksDave Ramsey warns nearly 50% of Americans are making 1 big Social Security mistake —