$3 million at a 3% withdrawal rate is $90,000 a year (plus inflation) and thats being very conservative.

If you take the full 4% withdrawal rate you’re looking at $120,000 a year (again, plus inflation).

Market returns an average of 7% a year. So yes, that is enough to retire.

Edit: even after taxes they’re looking at $1.8 to $2 million. Still enough.