You are 45 and are finally able to put some money into a retirement account, now that the kids are grown and through college. You can save $3,000 a year and ear 4:5% on the account. How much can you withdraw each year from 20 years starting at age 65 if the savings continue to earn interest at the same 4.5% rate. Note: you stop contributing at age 65 when you start to withdraw