Consider the savings plan you developed for yourself in the discussion board. How much did you determine you will need to save each month?

Consider the savings plan you developed for yourself in the discussion board. How much did you determine you will need to save each month? You do not need to report the calculations again, but simply restate your conclusion.
With the 3.5% account, the monthly payments might be difficult to maintain or to pay at all. Suppose you decide to wait 4 more years until you retire. What are your monthly payments with this plan?
Now, suppose you can find an account that earns 4% interest instead. How does that change your monthly payments? (You choose how long until you retire in this question).
Interpret your calculated results and state some relevant conclusions.