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But healthcare isnt the only thing you should avoid under-spending on.

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Here are experts top signs yourebeing too frugal when saving for retirement.

Investing in quality doesnt mean being reckless, its about balancing initial costs withdurability and utilityover time.

Quality matters more than immediate savings, Shahnazari agreed.

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He said this extreme frugality often leads todepression and loneliness, which can increase healthcare costs in retirement.

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