You plan to retire in 21 years. You would like to maintain your current level of consumption which is $40,062 per year. You will need to have 29 years of consumption during your retirement. You can earn 5.72% per year (nominal terms) on your investments. In addition, you expect inflation to be 3.61% inflation per year, from now and through your retirement. How much do you have to invest each year, starting next year, for 10 years, in real terms to just cover your retirement needs?