Billy Bob Bonner wants to save money to meet three objectives. First, he wants to retire 30 years from now with retirement income of $17,500 per month for 25 years. The first payment will be received 30 years and one month from now. Second, he would like to purchase a cabin by the Wabash River in 10 years at an estimated cost of $300,000. Third, he would like to leave an inheritance of $2,000,000 to his nephew at the end of the 25th year of his own retirement. Billy Bob can afford to save $2,350 per month for the next 10 years.  If he can earn a rate of 10% (APR) before he retires and 7%(APR) after he retires, how much will he have to save each month in years 11 to 30 to meet his goals? His pessimistic financial advisor does not think he can earn more than 6% on any diversified portfolio for the foreseeable future. How would that change Billy Bob's plans?