Pradeep wishes to save 2,000 every month at the beginning of every month for 10 years. After this he wishes to withdraw an equal amount at the beginning of every month for the next 20 years. He wishes to get an annual rate of 12% on his investments. He has approached you to do all the calculations so that he can know the amount that he will get in the form of a monthly annuity and whether this will be sufficient for him to lead a comfortable life, or if he should increase his contribution every month?