Calculate the amount they will need to save each year to reach that number. Hint: You know they have already saved something, that is their current, or present value. You know what they need in the future (calculated in question #11). The number of years until they reach retirement and the interest rate are given, solve for the required annual payment. It is critical that you watch your signs... remember that the starting amount and the payments are both deposits (or inputs) while the retirement will be a withdrawal (or output). How much do they need to save annually to accomplish their retirement goal? Enter the answer as a whole, positive number.