I want to fund my retirement so that I can draw $250,000 at the end of every year, with the first withdrawal exacty one year after I stop working in 20 years. I will plan on a retirement period of 35 years. Assume that my investments will return 6% per year during my working years, but only 3.5% in my retirement. Also Assume that all cash flows and compounding occur at year end. 1. First, how much do I need to have saved by the day I stop working?