A person would like to retire $15$ years from now. He currently has $$132,000$ in savings, and he plans to deposit $$800$

per month, starting next month, in a special retirement plan. The $$132,000$ is earning $8\%$ interest, while the monthly

deposits will pay him $6\%$ annual interest. Once he retires, he will deposit the total of the two sums of money into an

account that he expects will earn a $4\%$ annual interest rate. Assuming that he will spend only the interest he earns,

how much will he collect in annual interest, starting in Year $16?$