Invest 3 million in the stock market. A safe withdrawal rate (historically, you would never go bankrupt if you did this, so you could survive 2008 without even

Invest 3 million in the stock market. A safe withdrawal rate (historically, you would never go bankrupt if you did this, so you could survive 2008 without even worrying) is 3.5% per year. 3.5% of 3 million is 105k. That puts you in the 87th percentile of Americans.