exam Maths Puzzle Numerical Ability

(6x^2-7x-3)divide(3x+1)(2x+3)-(x-3)^2

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How much would a young married couple have to invest now at 8%annual interest to get $100,000.00 at retirement in 40 years.What is the equation for this.?The answer is about 4605. First determine the deflection based solely on the distributed load.
delta = 5wL^4/384 EI
= (5)(2kip/ft)(24^4ft)(12in/ft)^3/(384)(29,000ksi)(1330in^4)
= .387