A married couple just met with their financial advisor this morning. Currently, they have $100,000 in their retirement accounts and they both anticipate retiring in exactly 20 years. After reviewing their budgets, they plan on contributing $800 at the end of each month until retirement in an account that will pay 7.8% APR (with monthly compounding). In retirement, they will move all funds into a savings account that pays 2.4% APR (with monthly compounding). They are budgeting 30 years for retirement and would like to make monthly withdrawals (BEGINNING OF THE PERIOD) of $3,000. Any money left after 30 years would be donated to the Friends of the Sea Turtle Foundation. Based on these assumptions, how much money will be left for the foundation at the end of retirement?