Riley is 47 years old and is concerned about refirement. She wants to know how much she should have accumulated by the time she wants to retire, assuming: 1. She earns $80,000 2. She wants to assume a 75\% WRR with $20,000 of Social Security at age 62 3. Retirement begins in 15 years 4. Retirement will last 33 years 5. Investment returns of 8% 6. Inflation of 3%