Maria expects to have $$750,000$ in her retirement savings plan when she retires. From that, she plans to take out $$4,500$ at the beginning of every month for $30$ years. What annual effective rate of interest will her money have to earn over the $30$ years?a$\mathrm{.}7\mathrm{.}200\%$b$\mathrm{.}5\mathrm{.}045\%$c$\mathrm{.}8\mathrm{.}008\%$d$\mathrm{.}6\mathrm{.}225\%$e$\mathrm{.}6\mathrm{.}054\%$