Saving for retirement is crucial, but determining when to stop can be complex. Personal finance expert Humphrey Yang outlines six key variables to consider. These include calculating retirement numbers based on expected annual spend and withdrawal rates, as well as factoring in savings rates, spending needs, net worth, and other income sources like Social Security or pensions. T. Rowe Price recommends saving at least 1 1/2 to 2 1/2 times your salary by age 40, and 3 1/2 to 5 1/2 times by age 50. While oversaving for retirement may not be worth it, a financial advisor can help navigate these decisions for a comfortable retirement.

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