Billie Eilish wants to retire from her lucrative career 10 years from now. She is now looking at a different spending plan from her retirement 10 years from now. At retirement, she starts spending at the end of the period for $350,000 per year for 8 years. After that, she spends $250,000 for the next 31 years. How much she have to save now if earns 6.2% and all payments are at the end of the year