Brett is a 25-year-old researcher at Texas Parks and Wildlife. He makes $60,000 per year. Your firm uses an end age of 95 and a top-down ratio of 78%. Brett has 1 kid and wants to have another. He'd like to make sure his heirs get $1,000,000 at the end of his life. He wants to be aggressive in his investments while he works (9% rate of return), and conservative during retirement (5% rate of return). Average inflation of 2% is anticipated. He does not expect to get social security, so he doesn't want it to be factored in. He wants to know how much he needs to save in his 401k to have a successful retirement if he retires at age 67. For Step 3 - Calculate the amount he will need to have saved for retirement to fund his needs and bequest goal: (use a positive number, round to the nearest whole dollar, don't forget to use BGN mode!)