After some calculations, you realize that your inflation-adjusted retirement income shortfall is $48,685 per year. You anticipate that once you retire, you will be retired for 39 years. How much at a minimum should you have saved at the time of your retirement, if you estimate that your 60/40 equity/debt retirement portfolio will have a real (net of inflation) return of 5.07% on average? For simplicity, assume that once you retire you will be withdrawing the necessary amount from your portfolio at the end of each year