18 While many of us want to retire young, that is just not in the cards for most people. Let's assume that you will need to slave away at your job. for forty years. Given the health history of your family, it seems likely that you will survive for an additional thirty years. You are pretty thrifty and expect to need $100,000 per year to have a decent lifestyle in retirement. The account that you will use for both the forty years of saving and the thirty years of withdrawals will return 7.21% per year. How much do you need to save each year over the next forty years to have enought to cover your spending in retirement? Assume that investments and withdrawals occur at the end of each year. Your last day of work will be the day of your last investment (year forty) and first withdrawal will be at the end of the next year (year forty-one)