My income in Year 1 is $80,000. I will work for 35 years and then retire. Each year, assume my income increases 5 percent per year, and my income is received at the beginning of the year. After receiving my income, I assume that x percent of my income will be consumed. Then, all my cash earns a 10 percent return. What value of x will result in our ending year 35 cash amount equaling $1.5 million?