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Included in the rate I quoted, per the trinity study, although you might need to reduce your withdrawal rate below that some years depending on your asset holdings (see below for detailed info).

EDIT: Again, the rate quoted is for withdrawals in perpetuity. It doesn't guarantee your savings will outlive you, but it's highly confident it will.

https://www.bogleheads.org/wiki/Trinity_study_update

Some research suggests that a 3.5% withdrawal rate will last basically forever.

See, e.g. https://www.kitces.com/blog/adjusting-safe-withdrawal-rates-...

I know it's not what most people want, but if you retired to a country with a low cost of living that $1M would be more than enough to live really comfortable till you die.