Retiring in 2009: $1M grew to $7.6M on a 4% withdrawal

Retiring in 2009 with $1M and a 4% inflation-adjusted withdrawal, the portfolio was worth $7.6M after 17 years, as of the latest data. Its worst year was 2022, when the S&P 500 lost 11.9% including dividends. Stocks bottomed in March 2009, so a 2009 retiree began near the start of the longest bull market in U.S. history.