Retiring in 1931: $1M grew to $30.2M on a 3% withdrawal

Retiring in 1931 with $1M and a 3% inflation-adjusted withdrawal, the portfolio grew to $30.2M after 50 years. Its worst year was 1931, when the S&P 500 lost 43.1% including dividends. 1931 brought bank failures across the U.S. and Europe and Britain's exit from the gold standard as the Depression deepened.