Question 15 5 pts Sandy is planning for retirement given the following information: Sandy will retire in 40 years ('n' during working years). Sandy will live for 20 years after retirement ('n' during retirement years). Sandy needs $430,000/year income during retirement years (CF during retirement). Sandy expects to be able to earn 18% return on investment during your working years ('r' during working years). Sandy expects to earn a 5% return on your investment during retirement years ('r' during retirement years). 1. How much does Sandy need to save each year in order to reach their goal? (FV Annuity during working years, solve for CF).