A $30$ year$-$old person plans to retire at $66$ and live until $92.$ During retirement, the person will take a growing annuity from the retirement account. The amount in the first year will be $$96,000$ with a $3\%$ growth rate.

The return on savings after retirement is $6\%.$ The person would like to leave a $$400,000$ donation to charity at the time of death.

How much will the person have to have at retirement to meet this goal?