Starting next year (T=1) you need $5,772 each year for 4 years to complete your education. Your aunt deposited $20,000 today (T-0) in an account paying 6% (compounded annually) to help fund your college needs. How much will be in your account immediately after you make your first withdrawal at T=1? Your client is 32 years old. She wants to begin saving for retirement, with the first payment to come one year from now. She will save $10,000 per year (end of year deposits) and expects to earn 9% per year on average. About how much will she have when she turns 65?