A 32 year old person with $18,000 of initial savings plans to retire at 68. During that time, the person can earn 10% on savings. The person plans to live until 91. During retirement, the person will take a growing annuity from the retirement account. The amount in the first year will be $102,000 with a 2% growth rate. The return on savings after retirement is 7%.

The person does not want to leave a legacy at the time of death.

How much must the person save at the end of each year before retirement to achieve this goal?