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I am currently 28 years old and have $25,000 in savings. I plan on saving $1,000 per month until I retire at age 67. I believe that I can earn 10% on my investments. If the actuaries estimate that I will live to be 93,and I shift my post-retirement savings to a safer portfolio that delivers a 5% return, how much can I take each month in retirement from my portfolio and end up with exactly no money when my time is up (i.e., I go to that big stock market in the sky)?