Does anyone regret loading to much money in retirement accounts vs. keeping outside in something like brokerage account etc?

I am turning 36 next year and jumped on the FIRE path out the gate with my wife. Thankful I saved a lot but I feel like I might be making a mistake by contributing to much to retirement?

Looking for insight from others?

Anyone look back and regret putting to much in retirement vs. outside of those accounts for more flexibility?


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