Spend $3,000 a month, so your number is $900,000. Start with $100,000, add $2,000 a month at 7%, and you get there in October 2041. From that day the portfolio pays $3,000 a month at a 4% withdrawal rate.
See the year it crosses $900,000Time to FI
From $100,000 to FI in 15 years and 1 month.
The 4% rule, tested on 59 start years.
Ten years of waiting costs $651,000.
In year 11, your money starts out-earning you.