You will retire in $44$ years. At that time you will begin making annual withdrawals and the first withdrawal will need to have the purchasing power that $$116,030$ has today. You will withdraw the same amount of money each year of retirement $($and you recognize that its purchasing power will fall as inflation continues$).$ You plan to live for $20$ years during retirement, necessitating $20$ withdrawals. Inflation equals $5\%$ per year. Obviously, you will need to save $($and invest$)$ money to generate the nest egg that will be spent during retirement. The "fund" you plan to invest in earns $9\%$ per year until retirement, and then during retirement it earns $3\%$ per year. How much must you save each year $($with payments into your retirement savings vehicle beginning one year from today$),$ in order to meet your retirement needs?