3) I am retiring this year. I plan to live for 20 years in retirement. For each year of retirement, I need an gross income of $61000 in today's dollars. The inflation rate is expected to be 3 percent in the next 20 years. My investment return over the next 20 years is expected to be 9 percent a year. How much money do I need now to support my 20 years' retirement life (keep zero decimal place)