You want to get to this 50,000 once and for all and want to do it 2.5 years. You want to hit the number exactly on the head in that 2.5 years and still can contribute the same amount but this time you will do $1,100 monthly and will get the same 3.259% rate. How much will your friend need to give you as an initial deposit to hit the 50K in 2 years?