You estimate that in $10$ years when you retire you are going to need about $$10,000$ per month to live on$.$

You realistically hope and plan on living another $20$ years after you retire $(240$ months$).$ If you estimate

your ongoing return at $9\%,$ how much are you going to need in your retirement account on Day $1$ of

retirement to allow you to take out the $$10,000$ per month to live on for $240$ months and leave a zero or

better balance? Right now you have $$447,000$ in your account. How much are you going to need to

invest in your account each month for the next $10$ years $($assuming $9\%)$ in order to arrive at the figure

you came up with for retirement?