Bruce turns 25 years old today and would like to receive inflation-adjusted retirement payments on each of his birthdays from age 65 to 95, inclusive. The first payment at age 65 will be $100,000. The inflation rate is assumed to be 0% until age 65, and then it is assumed to be 2% per year. The annual effective interest rate is 6%. How much money should Bruce set aside today to fund these future payments?