Robin is 25 years old today, and attends Small Peak College. She currently has a seasoned whole life insurance policy on her life which has a current cash value of $20,000. She is confident she can earn 4% annual interest for the foreseeable future in this policy, and all calculations should be based on this 4% annual rate of interest. She would like to know how much money she will need to set aside each month starting today until one month before her 75th birthday so that she can have a monthly income of $4,000 per month starting on her 75th birthday and continuing until the month before she dies on her 100th birthday. Said another way, she wants to start saving now, at the rate of 4% annual interest, by investing a monthly amount each month until one month before her 75th birthday. Then on her 75th birthday she will start withdrawing $4,000 per month until her money is all gone when she dies penniless on her 100th birthday.