Retiring in 2001: $1M grew to $1.3M on a 4% withdrawal

Retiring in 2001 with $1M and a 4% inflation-adjusted withdrawal, the portfolio was worth $1.3M after 25 years, as of the latest data. Its worst year was 2008, when the S&P 500 lost 35.2% including dividends. A 2001 retiree faced the dot-com bust, the 9/11 attacks, and a recession in the first year alone.