You just married and are planning for retirement in 40 years from now. Currently you have $10,000 in a savings account and $20,000 in stocks. In addition, you plan to add to your savings by depositing $500 per month in your savings account at the end of each month over the next 20 years and then $1,000 per month at the end of each month for the final 20 years until retirement. Assuming your savings account returns 4% annually while your investments in stocks will return 10% annually, how much will you have at the end of 40 years? (Ignore taxes.) If you expect to live for 35 years after you retire, and at retirement you deposit all of your savings in a bank account paying 5 percent, how much can you withdraw each month after retirement (420 equal withdrawals beginning one month after you retire) to end up with a zero balance at death