A couple thinking about retirement decide to put aside $$16,000$ each year in a savings

plan that earns $3\mathrm{.}10\%$ interest. In $6$ years they will receive a gift of $$108,000$ that also can

be invested.

a$.$ How much money will they have accumulated $28$ years from now? $($Do not round

intermediate calculations. Round your answer to $2$ decimal places.$)$

Accumulated savings

b$.$ If their goal is to retire with $$1,338,167$ of savings, how much extra do they need to

save every year? $($Do not round intermediate calculations. Round your answer to $2$

decimal places.$)$