You are looking to retire on your 60th birthday (It is your 24th birthday today-Happy Birthday). You would like to withdraw $12,000 a month for twenty years (240 payments) after retirement with the first of these coming one month after you retire.
In addition you would like to be able to withdraw $75,000 on every birthday starting with your 65th birthday and ending on your 75^th birthday -the last payment coming on that day.
You plan on living to your 100^th birthday so in addition to amounts listed above, you would like to withdraw $250,000 every five years, with the first of these coming on your 80th birthday and the last coming on your 95th birthday. You plan on having a big bash on your 99^th birthday but you should have enough money left for that.
Given that you can earn 10% on your money until retirement and then 9% (monthly) after that, and that you want to invest with annual payments to meet your goals, how much should these payments be assuming that the first will go in one year from now and the last will go in the day you retire?