please show calculations and a timeline if possible

73 8. I plan to retire in 20 years. I currently have $150,000 saved up. I will invest $1000 at the 74 beginning of every month in the account. If I earn 10% a year over the next ten years and then 75 12% a year over the remaining 10 years, how much will I have for retirement? At retirement 76 transfer all the money into assets that earn only 7% a year. If I start withdrawing $10,000 at the 77 end of every month during retirement, how long before I run out of money? Explain your 78 answer. 85 9. A recent college grad begins to invest $200 a month in a fund that earns 12% a year with 86 monthly compounding. How much will she have after 35 years? What is the present value of that 87 amount? If she had started with the same initial investment but increased the monthly amount by 88 0.5% each month, how long would it take her to have the same future value? (6 points)