Madison Beer wants to retire from her lucrative career in 15 years and is now looking at a different spending plan for her retirement At retirement, for the first 8 years, she spends $380,000 per year, but then she steps back to $290,000 for the next 27 years at the end of the period. How much she have to save annually if earns 7.2% and all payments are at the end of the year