Yejin lans to retire at age 60 .She wants to create an annuity fund,which will payher a monthly allowance of 4000$.She wants to save enough money so that payments last for 30 years.A financial advisor has told her that she can expect to earn 5% intereston er funds, ompounded annually.Calculate the amout Yejin needs to have saved into her annuity fund in order to meet her goal.?