Marvin plans to retire at the end of this year (2020). His expected life expectancy is 20 years after retirement. Marvin has come to you, his financial advisor to learn how much he should deposit on December 31, 2020 to be able to withdraw $4,000 at the end of each month for the next 20 years. Assuming the amount on deposit will earn annual interest of 2% compounded monthly, how much should Marvin deposit on December 31, 2020 in order to achieve his retirement plan