When it comes to planning for retirement, evaluating your nest egg is a big part of the process. In fact, the state of your retirement savings can heavily influence when you decide to retire. Take Jim, for example. Jim, 61, worked in corporate America for most of his career and after he was laid off, he wondered if now might be the time to take a step back. Before his layoff, he and his wife, Helen, made a combined $300,000 a year. They also carry no debt and have a combined $1.5 million in savings. Must ...