A man is planning to retire in $20$ years, He can deposit money for his retirement at $8\%$ compounded monthly. It is estimated that the future general inflation $($f$)$ rate will be $3\%$ compounded annually. What deposit must be made cach month until the man retires so that he can make annual withdrawals of $$20,000$ in terms of today's dollars. over the $15$ ears following his retirement? $($Assume that his first withdrawal occurs at the end of the first six months after his retirement.$)$

$221\mathrm{.}95$

$132\mathrm{.}75$

$493\mathrm{.}69$

$793\mathrm{.}90$