1-You have saved $86,000 in a 401(k) account at retirement. What is the minimum annual rate of return would allow you to withdraw $10,000 each year forever without reducing your account value?

2- You spend about $38,000 in a year now. If prices increase 3.1% per year, how much money will you need to spend to maintain your standard of living in 30 years?

3-You as a young worker decide to use money in your traditional IRA account to pay for an unexpected $5750 expense. If your withdrawal faces a 10% early withdrawal penalty and you pay a marginal tax rate of 15%, how much must you take out of your account in order to pay the expense, the penalty, and the taxes on your withdrawal?