oversave

/ˌoʊvərˈseɪv/
verb
  1. To save too much money or resources, often to the point of missing opportunities or causing inconvenience.
    • If you oversave on the grocery budget, you might end up eating only cheap, unhealthy food.
    • The company oversaved on maintenance, leading to expensive repairs later.
    • She tends to oversave for retirement and rarely enjoys her income now.
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