A couple thinking about retirement decide to put aside $3,600 each year in a savings plan that earns 8% interest. In 5 years they will receive a gift of $16,000 that also can be invested. a. How much money will they have accumulated 30 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 $860,000 of savings, how much extra do they need to save every year? (Do not round intermediate calculations. Round your answer to 2 decimal places.) es Additional annual savings needed