Monica became concerned about the stock market due to recent losses, and moved $350,000 into a fund of 60% T-bills, 20% stocks, and 20% bonds. Her salary is currently $92,000 per year, and she expects raises of 2.0% each year. Her employer will match retirement savings up to 5% of her salary. If she wants $500,000 in her account in 5 years, what percentage of her salary does she need to save?