Retiring in 2020: $1M grew to $1.9M on a 3.5% withdrawal

Retiring in 2020 with $1M and a 3.5% inflation-adjusted withdrawal, the portfolio was worth $1.9M after 6 years, as of the latest data. Its worst year was 2022, when the S&P 500 lost 11.9% including dividends. 2020 brought the COVID-19 crash, the fastest 30% fall in S&P 500 history, followed by an almost equally fast recovery.