Sammy is 32 years old and plans to retire at age 65. She plans to move to Florida when she retires and figures she will need $45,000 to make the move. After she moves, she would like to draw $3500 per month until she is 88 years old. If Sammy can earn 9% interest on her money before retirement and then plans to switch it over to a more conservative 5% investment after retirement, how much does she need to save each month?