Is this a future value or present value calculation?

Click on the clue that indicates whether you will be using future value or present value to solve this problem.

$5.$ Your grandmother bought you a lottery ticket and you won $$1,000$ a month for life. You send your grandmother the biggest and most expensive flowers you can find and promise to spend $$150$ every month on a nice dinner with her. With the remaining monthly amount you wonder if$,$ rather than spending it$,$ should you instead save $$850$ of it to buy the sailboat shown here, as you have always dreamed of being able to take your friends and family sailing. You have $$20,000$ already set aside in your savings account that earns $2\mathrm{.}5\%$ compounded quarterly. The owner of the sailboat has said she is happy to keep the sailboat for her own use for up to four years and sell it to you at that time at the price showing on the listing. Should you commit to this deal or is it infeasible? If it's not feasible, what can do to make it feasible? Assume you will be able to put the monthly savings into an account that earns $2\mathrm{.}5\%$ compounded quarterly.