You are saving for retirement and currently have $46,000 in your retirement account. You plan to save an additional $890 per month for the next 40 years. When you retire, you will make monthly withdrawals for 30 years. Additionally, you want to go on a trip around the world in 13 years. You expect the cost of the trip will be $120,000. You can earn an APR of 10.3 percent before you retire and an APR of 5.8 percent after you retire. How much can you withdraw each month and have nothing left at the end of your retirement?