A new client comes into an investment office. She is looking to invest money into an IRA. She has determined that she wants to retire at age 68 and be able to withdraw $3500 a month from her IRA for the next 25 years. The IRA at that time will return 4% interest. If she is 33 years old right now and the IRA she wants to invest in can return 11% interest until she retires, how much should she begin paying each month? (Hint: Figure the amount needed to start paying out first.