The market was up about 20% in 2021.
So if you retired in late 2020 with a $2 million lump sum, you are up $400K vs not having retired and slogged along at your desk.
Plus you would have been paid a year of salary during 2021; let's call that $300k.
And had your healthcare covered, maybe $12,000.
And got your 2020 bonus, perhaps $80k.
So, in 2021 you would have taken in $380K plus health, call it $400K plus same amount in lump sum appreciation gives you up $800K for the year.