Pick a target retirement age. It can be any age you want. Using your real life current age, and your target retirement age, how much would you need to invest each month in order to reach $$1,000,000$ by the time you want to retire. Assume you can earn $12\%$ APY on your investing and you have $$0$ now. You can use annual values for APY and PMT to solve this.

If you had $$1,000,000$ and you wanted to live until age $100,$ how much could you spend each year, starting from your target retirement age, and spending the same amount each year until age $100?$ Assume your savings will earn $4\%$ APY after you retire, and you will have nothing left at the end.