A person plans to retire within 20 years from now. His monthly salary at the end of month 1 is $60,000 and he plans to save 5% of his monthly salary in a bank account that pays 6% annual compounded monthly. He expects to receive an 0.75% of monthly increase in his salary, starting from month 2. After 20 years of saving in the bank, this person wishes to have a monthly withdrawal for the following 10 years in form of linear gradient starting with $100,000 (month one) and an increment of “$X” every month (from month 2). Calculate ($X)