Your clients, Tom and Melissa Sampson (age 40), want to retire when they are 65 and want to provide 30 years of income during retirement. Based on their current level of living, they would like to provide for $75,000 /year (in current dollars) during retirement. They currently have $150,000 in Roth IRAs. Social Security will provide $30,000 /year in current dollars. They have made the following rate estimates: 3.0% inflation before and after retirement, 7.0% return on investments before retirement, and 5.0% return on investments after retirement. Assuming they are willing to liquidate the principal during retirement and they will save at the end of the period and withdrawal at the beginning, find: 3. Redo the needs analysis in Problem 2 by now assuming Tom and Melissa actually need $70,000 /year for 10 years after which their needs would decrease to $50,000 yyear for the 4/5 remainder of their lives by calculating: a) How much they will need to save each year toward retirement in order to take annual distributions