: You plan on depositing $$20,000/$year on Jan $1,$ for the next $27$ years $($for retirement$),$ during which time you will earn $8\mathrm{.}5\%$; while retired, you require funds for $25$ years $($these will continue to earn $4\mathrm{.}35\%)-$ assuming you take your payments at year$-$end, what is your annual cash flow in dollars?