You are saving for retirement. To live comfortably, you
decide you will need to save $1 million by the time you are 65. Today is your
23rd birthday, and you decide, starting today and continuing on every birthday
up to and including your 65th birthday, that you will put the same amount into
a savings account. If the interest rate is 5%, how much must you set aside each
year to make sure that you will have $1 million in the account on your 65th
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