A professional who began his career at the age of 25 wants to build a retirement estate, when he turns 65, he is considering: saving $2,000 at the end of each month for the first 10 years at a rate of 8% per year; $6,000 at the end of each month for the next 10 years at a rate of 7% per annum; $7,000 at the end of each month for the next 10 years at a rate of 8.5% per annum; and $10,000 at the end of each month for the last 10 years at a rate of 6% per annum. He calculates how much his estate will be when he turns 65. Assuming that the starting salary is $25,000 and that during Arnold's working life inflation was 0.25% per month, calculate how many times the retirement net worth is equal to the updating of the starting salary.