You are planning for retirement. You plan to work for 20 years. Starting a year from today, in each of the next 12 years you can save $9,000. In year 12 you will also get a bonus of $20,000. Calculate how much you will have to save in each of years 13 through 20 so that you have exactly $490,000 saved up when you retire. Assume the annual discount rate is constant throughout your life, and equals 8%. (Hint: This questions has 2 parts - draw 2 timelines).