4. If, when I reached retirement, I actually had a balance in my retirement account of \\( \\$ 3.4 \\) million, how much can I withdraw at the end of each year if I assume 30 years of retirement and a return on my investments of \4.0 during retirement? \\( 6 per year during my working years, but only \4 in my retirement. Also Assume that all cash flows and compounding occur at year end. 5. First, how much do I need to have saved by the day I stop working? 18 that compounds semimonthly (i.e., twice per month)