2. Janelle's estimated retirement income shortfall is $18,000, and she expects to live 40 years in retirement. If she can earn 6 percent per year on her investments during retirement and wants her retirement income to increase by 4 percent per year during retirement to offset inflation, how much does she need to have saved by the time she retires assuming that: 2.1 She plans to rely of the interest earnings only. (5 points) 2.2 She plans to deplete both principal and interest in 40 years. (5 points)