You celebrated your birthday today, having just turned 23 years old. You plan to retire when you are 65 years old and you want to ensure you have enough money in retirement to pay yourself equal annual payments, with the first payment one period after you retire, and the last payment on your birthday when you turn 99. You plan for an average rate of annual inflation of 4.00% and you want to save enough so that your first annual payment has the purchasing power of $145,000 in today's dollars. If your investments grow at an APR (monthly compounding) of 7.00% how much do you need to save each year, starting exactly one year from now and ending on the