Ellen is 35 years old and she has decided it is time to plan seriously for her retirement. At the end of each year until she is 65, she will salce $10000 to a retirement account. If the account earns 10% per year, how much will Ellen has saved at the age of 65?

a , assuming she does not intend to leave any money behind for her children and she anticipates to live for another 25 years, how much she can withdraw each months from the account?

b , if however Ellen changes her mind and leaves all her savings for her children then how much she can withdraw every months from the account?

P.S.: include calculation and explanation for better understanding