 a lot of people have opinions on how much you need to retire comfortably and we're here with joe pat rupe of belmont capital advisors and joe pat if somebody comes to you and says i've done a good job of saving i've got about a million dollars in assets is that enough to retire comfortably how do you respond why don't we start like this mark we say a million dollars if if you want to pull 30 000 a year off of a million then it should last forever and you should be able to get raises