Which of the following might help you avoid financial stress? A. Spending as little time thinking about your finances as possible B. Deciding not to ask for help managing your finances C. Sticking to your financial plan, even when things change D. Learning financial skills

You wish to retire in 13 years, at which time you want to have accumulated enough money to receive an annual annuity of $23,000 for 18 years after retirement. during the period before retirement you can earn 9 percent annually, while after retirement you can earn 11 percent on your money. what annual contributions to the retirement fund will allow you to receive the $23,000 annuity? use appendix c and appendix d for an approximate answer, but calculate your final answer using the formula and financial calculator methods.