(10 points) Let assume you have $1 million when you retire. How much can you spend each year for the next 20 years after retirement, given 3% interest rate annually compounding? a. You start your first withdraw one vear after vou retire and continue on for a total of 20 payments. 2. The amount of spending$ b. You start your first withdraw on the day that vou retire and continue on for a total of 20 payments The amount of spending-$