In order for your clients to reach their goal, let's say you've estimated that they need to have $76,000 accumulated by the time their child starts college at age 18. To reach that goal, how much do they need to save at the end of each month if their child is currently 8 years old? Assume college expenses inflate at 4.4% per year, and you can earn an annual rate of return of 7.2% on your investments