9. In 7 years your child will be going to college, if tuition is $16,000 per year for each of the 4 years the child attends, and you can earn 8.5% annually throughout, what is the lump sum you would need to deposit today? 10. If you need $175,000 at the beginning of each of the 22 glorious years you will live in retirement, earning 3.5% annual interest (taking inflation into consideration, of course!), what would your monthly contribution (end) be if you work for 43 years and can earn 10.8% annually