Ruth, age 31, is thinking about investing for retirement. She plans to retire when she turns age 65. At that time, she will need $4.05 million in assets. She has calculated that inflation will average 2.20% over her lifetime. If she can earn an average annual 9.85% rate of return, what will be her real rate of return? 7.85% 7.49% 3.80%. O 7.65%