Appendix A

Appendix C

Appendix D

Interest Factors for the Future Value of an Annuity of One Dollar You contribute $1,500 annually to a retirement account for nine years and stop making payments at the age of 45 . Your twin brother (or sister ... whichever applies) opens an account at age 45 and contributes $1,500 a year until retirement at age 65 (20 years). You both earn 10 percent on your investments. How much can each of you withdraw for 15 years (that is, ages 66 through 80) from the retirement accounts? Use Appendix A, Appendix C, and Appendix D to answer the question. Round your answers to the nearest dollar. You can withdraw \$ Your twin can withdraw $