5. Funding the nest egg shortfall Determining Retirement Shortfall Ryan and Rebecca have 35 years to retirement. They are taking a personal finance course and have calculated their projected retirement income and investment needs. Based on their calculations and taking into account their Social Security and pension incomes, they have a projected shortfall of $6,000,00 per year. Use the following tables to answer the questions about future value interest factors Interest Factors-Fure Value Interest Facion-Future Value of an Annutty Periods 3.00% 5.00% 20 25 30 RARAS 6.00% 8.00% 9.00% 1.510 2.653 3.210 4.661 5.600 2.000 3306 4.200 2420 4322 5.740 20.062 6.148 8.520 13.260 7.810 3.516 7.690 14.785 20.430 ALL 3.36 1078 1177 The impact of the inflation factor