How much do you need for retirement? Show work and explain why.

$-$ You have an annual salary of $150$k net of tax

$-$ You are $23$ years old

$-$ You intend to retire at $65$ years old

$-$ You intend to live off of $100$k in future dollars every year in retirement

$-$ You have $57$k in debt at a rate of $5\%$ that you want to pay of before retirement

$-$ You believe you will live until $95$ years old

$-$ Your current annual expenses after tax are $47$k

$-$ You expect a growth rate of $6\mathrm{.}5\%$ every year until retirement

$-$ You expect a growth rate of $4\mathrm{.}5\%$ every year after retirement