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Martha is 3 0 years old and wants to retire in 2 0 years at the age of 5 0 . She expects to earn

Martha is 30 years old and wants to retire in 20 years at the age of 50. She expects to earn 12% on her savings prior to retirement and 8% thereafter. Martha wants to be able to withdraw $18,000 every year at the beginning of each year for 30 years from the age of 50 to 80. What is the amount that she must deposit at the end of each year for the next 20 years?

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