Derek can deposit $16,967.00 on each birthday beginning with his 28.00th and ending with his 66.00th. What will the rate on the retirement account need to be for him to have $3,974,408.00 in it when he retires?

If Derek plans to deposit $10,792.00 into his retirement account on each birthday beginning with his 26th and the account earns 12.00%, how long will it take him to accumulate $3,914,972.00?

Derek decides that he needs $181,950.00 per year in retirement to cover his living expenses. Therefore, he wants to withdraw $181950.0 on each birthday from his 66th to his 85.00th. How much will he need in his retirement account on his 65th birthday? Assume a interest rate of 9.00%.