You are planning your retirement in 30 years.

• You currently have $0 in a savings account and $0 in a stock account.
• You plan to add $1,500 per month to your savings account at the end of each MONTH for the next 30 years. APR = 3.6%, compounded monthly
• You also plan to add $2,000 per month to your stock account at the end of each MONTH for the next 30 years. APR = 4.8%, compounded monthly.
• When you retire, you plan to withdraw $10,000 at the end of each MONTH for the next 25 years and leave $x for your nephew. APR = 4%, compounded monthly.

Solve for x.