. If prices are expected to increase by 3% per year, how much do you need in your retirement account if you want $3,000 per month in todays dollars, you expect to retire in 35 years, the rate of return on your retirement account is 6% and you want to receive money from your account for 25 years after you retire? Also how much do you need to save each month for the next 35 years so that you can have the amount you need?