If you can earn 12%/year, how much must you invest today in order to have $10,000 in 5 years? You want to begin saving for retirement. How much will you accumulate if you save $2000/year in an IRA over the next (a) 35 years and (b) 40 years? Assume you can earn on average 11.5%/year. In problem (5) above, how much can you withdraw each year after you retire under (a); and under (b)? Assume you earn 6%/year and you will deplete your funds over 30 years