You are saving for retirement and currently have $50,000 in your retirement account. You want to have $10 million in your account in nominal dollars when you retire in 35 years. You will make monthly deposits into your account until you retire. When you retire, you will make monthly withdrawals for 30 years. You can earn an 11.1 percent nominal EAR before you retire and a 6.4 percent nominal EAR after you retire. The inflation rate is a 3.5 percent EAR over the entire period. How much will you need to deposit each month in real terms to fully fund your retirement? How much can you withdraw each month in real terms during your retirement? How much will your last withdrawal be in nominal terms?

I have the answer key but I have no idea how to arrive at the answers. Detailed explanation is appreciated. Thank you!