This is a classic retirement problem. You are 25 years old and hope to retire at 70 years old. You expect to live another 25 years while you're retired. During those 25 years that you're living in retirement, you'd like to be able to withdraw $13,500 EVERY month at the beginning of the month. You can earn an average of 7.2% in your ETF during the years that you're still working. But during retirement, you expect to be able to earn only 6%. NOTES: You have 45 years before retirement, during which you can save. While you are working, you contribute money to your retirement fund at the end of each month. You have 25 years in retirement during which you are withdrawing money at the BEGINNING of each month.

How much must you have saved PRIOR to retirement, so that you can make your withdrawals DURING retirement?