You are now thinking about retirement. You plan on working for 30 more years and then retire. Upon your retirement 30 years from today, you plan to have enough money to withdraw $75,000 every 6 months, with the first payment coming exactly six months after your retirement day. You expect your retirement account to earn a return of 6% APR (stated rate), compounded monthly, on all funds in the retirement account. Assuming you want to draw on the retirement fund for 20 years after your retirement (40 semiannual withdrawals), calculate how much money you need to invest in the account annually, with the first payment being made one year from today and the last payment occurring the day of your retirement (30 total payments into the retirement account)