[Retric]

3% of 3 million is 90k which sounds better than it actually is as you need to pay for health insurance.

Plenty of people live in any city with less than that, but it is below the average income in many nice counties in the US.

[AngryData]

90K is still 50% above the median income, not to mention the fact that you have twice as much as time available and using just a small amount of that can be used to cut costs significantly in other areas. It is more effectively a $150K income if we add in the median wage from the job you aren't doing.

[Retric]

Nationwide, the US median income for full-time workers is over 62k without considering benefits, but many areas are well above that.