I recently talked to someone with a friend who had a 3-hour daily commute (1-way) from Richmond to Washington, D.C. The job had moved, and he had to show up to the D.C. office every day or lose his retirement benefits. It’s a tough call to make, especially if retirement wasn’t too far away. Clearly, he didn’t want to leave his job, but moving closer to the D.C. area apparently wasn’t an option either. It probably meant uprooting his family, leaving friends and community, and more importantly, it probably meant more expensive housing and a higher cost of living.