Adam Smith is planning to go to post-graduate school in a program of study that will take 2 years. Adam wants to have $10,000 available each year for various school and living expenses. If he earns 4% on his money, how much must be deposited at the start of his studies to be able to withdraw $10,000 a year for 2 years? $40,000. $19,721. $18,861. $20,000. $10,000. $15,721