Your child will go to college 12 years from now and will require $20,000, $21,000, $22,000, and $23,000 at the beginning of each year in school. In addition, you and your spouse plan to retire in 20 years. You want to have $75,000 available for each of your expected 15 years of retirement. These funds will need to be available at the beginning of each year. You currently have $15,000 that can be invested to meet these objectives. Assuming you can earn 4 percent after-tax interest in a mutual fund over the entire accumulation and distribution period, how much must you invest at the end of each month over the next 20 years in order to meet your financial objectives?