Cindy would like to retire in 25 years and hopes to have enough money saved to provide her with a monthly income of $5,000 at the end of each month, during the 20 years of her retirement. How much will Cindy need to save at the end of each year, for the next 25 years to ensure she has enough to fund her retirement. Assume Cindy can earn 12%, compounded monthly for the pre-retirement and retirement period.