When you retire in 37 years you would like to be able to withdraw $8,000 per month in real terms for the 30 years you expect to be in retirement. You currently have $20,000 in your retirement account. Additionally, you expect to receive a trust payment in 20 years. The current value of the trust is $125,000 and you expect the value of the trust to keep pace with inflation until you receive it. You will then move the trust funds to your retirement account. To fund your retirement you will make monthly deposits. Before you retire, you expect to earn an 11 percent nominal EAR and you expect a 7 percent nominal EAR after you retire. Inflation will be a 3.2 percent EAR over the entire period. How much must you save each month to fund your retirement account? need steps in excel