assume you are going to work and save for 40 years and anticipate living for another 30 once you retire. you will spend $125,000 every year in retirement. how much will you need to save each year in your 40 years of emplyment in order to have enought to support your retirement spending? the mutual fund you park your money will return 4.28% per year while you are working and retired. assume that investments and withdrawals occur at the end of each year. your last day of work will be the day of your last investment (year 40) and first withdrawal will be at the end of the next year. (year 41)