You contribute $1000 annually to a retirement account for eight years and stop making contributions at age 25. You earn 10%. How much can you withdraw for 20 years if you retire at at 65 (that is from age 66-85) from the account? Hint: Calculate the FV of your contributions til age 25. Then, that serves as the PV to calculate the FV from 25 to 65. Then that amount serves as the PV from 65-85, to calculate PMT