Hector's Wealth Is Zero,he Expects to Work for Another 45

Multiple Choice

Hector's wealth is zero,he expects to work for another 45 years at a constant salary of ?$80 000 and live for another 60 years.If yearly taxes are $20 000 and Hector completely smooths consumption over his lifetime,Hector's average annual saving is ________ less than it would be if yearly taxes were zero.

A) $5000
B) $7500
C) $15 000
D) $20 000