You have a $500,000 investment earning 6% per year. You cant access the funds until you are 59, which is 25 years from now. At that time, you can withdraw $200,000 per year. Assuming the investment balance continues to earn at an average rate of 6%, how many years will the money last? If the rate of return during the withdrawal period is 3% rather than 6%, how will the number of years be affected ?