(Non-annual annuity) Stan wants to save for his retirement in 30 years. During his 30-year retirement, he plans to spend $5000 monthly, while earning 10% annually from his retirement funds. He will save monthly in his 401K retirement fund with his employer over the next 10 years, where he plans to earn 12% annually. How much must he save monthly, beginning at the end of this month to meet his objectives? How will his results change is he behind saving at the beginning of the current month?