You just turned 22. Happy birthday! Now that you're old, you want to be responsible and start a retirement fund (you currently have $0 ). You plan to invest $X every month for the next 43 years. You expect to earn a 6.9% annual return until you retire. Once you retire, you will shift your savings into safer investments that you expect will earn 3.6% per year. You plan to make monthly withdrawals of $5700 for 21 years of retirement (and don't want to have any money left at the end). Under this plan, what is X ? How much money should you deposit into your retirement account each month? (NOTE: Round your answer to the nearest cent)