ssume you are now $21$ years old and will start working as soon as you graduate from college. You plan to start saving for your retirement on your $25$th birthday and retire on your $65$th birthday. After retirement, you expect to live at least until you are $85.$ You wish to be able to withdraw $$36,000($in today$$s dollars$)$ every year from the time of your retirement until you are $85$ years old $($i$.$e$.,$ for $20$ years$).$ The average inflation rate is likely to be $5$ percent.$$