You contribute $1,000 annually to a retirement account for 8 years and stop making payments at the age of 25. Your twin brother (or sister whichever applies) opens and account at age 25 and contributes $1000 a year until retirement at 65 (40 years). You both earn 10% on your investments. How much can each of you withdraw for 20 years (that is, ages 66 through 85) from the retirement accounts?