I'm 61 and just retired for the second time with a $6.2 million in net worth - I have always been money-conscience but am I holding too much cash?

Despite having amassed a $6.2 million nest egg, the couple worries about having $375,000 in cash, which earns negative real returns due to inflation.

Early retirement may not be as fulfilling as expected, contrasting the allure of leisure with the reality of potential financial misallocation impacting future comfort.

The couple's annual expenses are a mere 3% of their total assets, allowing them the luxury of comfortable living, yet they remain uncertain about optimal cash management.

Returning to the workforce is often driven by desire rather than necessity, illustrating a complex relationship with early retirement’s benefits and challenges.

Read at 24/7 Wall St.