No, Walter, I see someone who used very poor wealth management and is still working, on Sunday afternoon at 5PM.A billionaire once told me, "I would rather owe a billion than have a million." The idea being that just being around that much cash flow makes you wealthy, and the net worth does not matter.
Uhm... I did not say return... You are having trouble understanding simple wealth management terminology. You want to take out well below your returns, to handle ups and downs, to adjust for inflation, and to cover for taxes.
You are trying to live on 14% of your retirement assets after taxes? Can you see how that would be a disaster?
You failed to answer whether 3 mil is the beginning of wealth.
I really doubt that you have been around any billionaires.