Ishan plans to retire at age $40$ with a decent lifestyle. He assumes that he can safely earn a real return of $4\%$ annually on his money and that he would need $$4000$ a month to last until he turned $90.$ How much money would he need to have accumulated at age $40($to the nearest thousand$)$ if he were going to retire and no longer earn any money?

$$1500000$

$$1050000$

$$2980000$

$$2400000$