Becky has been in the workforce for a few years, but now wants to go to university and get a degree. She would like invest a lump sum and withdraw $3,300 at the beginning of every month for living expenses for the next four years. Suppose that her investment can earn 5.25% compounded monthly for the first one year and 3.25% compounded semi-annually for the following three years. How much must she have available to invest to fund this plan?