Retiring in 2022: $1M grew to $1.4M on a 3.5% withdrawal

Retiring in 2022 with $1M and a 3.5% inflation-adjusted withdrawal, the portfolio was worth $1.4M after 4 years, as of the latest data. Its worst year was 2022, when the S&P 500 lost 11.9% including dividends. In 2022 inflation hit a 40-year high and the Fed raised rates rapidly, pushing stocks and bonds down together.