"You are working on your goals for retirement. You figured you need to have $3,750,000 at retirement (age 65). You are 27 years old now and plan on putting $5,000 into an IRA every year, but broken down into monthly payments (at the beginning of each month). Your IRA already has $3,000 in it today, from when you made the last contribution. If your monthly contribution compounds monthly, what is the annual rate of return you will need to earn in order to reach your retirement goal? Please show work