A couple will retire in 20 years. Currently, they have $225,000 in savings and invest $2,000 in a mutual fund each month that pays a 9% APR (monthly compounding) on average. (assume end of month contributions) A couple wishes to retire in Florence, Italy. The couple will need to withdraw $12,000 per month (beginning of the month) in retirement to live in a nice pension (apartment) near the Ufezi Museum. Their money will earn 3% APR with monthly compounding in retirement. They expect retirement to last 25 years. The couple will leave all remaining funds in the account to charity at the end of the 25th year. How much will they leave to charity?