Silvia wants to retire at 65 and live on $40,000 a year. how much does she need to save to ensure that her retirement funds last until she is 85? select the best answer from the choices provided. $800,000 because she will need to save for 20 years times $40,000 more than $800,000 because taxes and inflation will increase the value of her savings less than $800,000 because returns will continue to increase the amount in her savings even after retirement more than $800,000 because compound return will reduce her savings