Joseph is planning a trip to India when he retires nine years from now and has calculated that he will need $30,000 in his savings to support his travels. If he contributes $800 to his savings at the end of every three months for the first four years of savings and $200 at the end of every month for the following five years , how close to his goal will he get if money can earn 3.5% compounding quarterly for the entire nine years