In the journey of life, preparing for retirement can seem like a distant priority, especially if you’re a millennial focused on more immediate financial concerns like buying a home, repaying student loans, or saving for your children’s education.

Are you a financial hoarder? That may sound like a strange question to ask. After all, it’s a good thing to be a diligent saver, right? While it’s good to be a saver, it’s also true that a healthy saving mentality can transform into more of a hoarding mentality if taken too far. Having this sort of mindset can weigh on you, both financially as well as emotionally. Here are three characteristics that financial hoarders tend to possess.