$3M translates to indefinite-ish (handwaving) expenditures of about $70k-$120k per year depending on tax rate, etc.

In the US, that covers unsubsidized healthcare for two people ($30k-$40k/yr range), rent in a 2-3BR, and like a decent ish standard of living. Without working.

So... maybe? But also maybe not by a lot.

It depends. My home in a smaller city would be ~$3M in NYC. It’s about $400k where I live.