You are planning to work for the next 40 years (years 1 40) and expect to live in retirement for 30 years after you retire (years 41-70). You plan to save $15,000 per year for the 40 years you are working. How much can you withdraw each year in equal amounts for the 30 years you are retired (beginning in year 41. Assume that the interest rate will be 9% for the 40 years you are working and then will be 4% for the years you are retired.