Mark and Jesse ponder the question, "when should you retire?" While many sources float out the 4% Rule, or some variation of it, that states you can pull out four percent of the value of your retirement portfolio each year without running out of money. The debates about the validity of the rule in current market conditions, and the withdrawal rate, are endless, but as Mark and Jesse observe, the decision to retire is an emotional one. At the end of the day, life is uncertain, and a person has to decide that they are comfortable enough with the value of their assets, their lifestyle, and their prospects to wake up one day and not go to work on Monday morning.

Mark Butler, Virtual CFO

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