Sandy is planning for retirement given the following information:

Sandy will retire in $40$ years $($n$$ during working years$).$

Sandy will live for $20$ years after retirement $($n$$ during retirement years$).$

Sandy needs $$430,000/$year income during retirement years $($CF during retirement$).$

Sandy expects to be able to earn $18\%$ return on investment during your working years $($r$$ during working years$).$

Sandy expects to earn a $5\%$ return on your investment during retirement years $($r$$ during retirement years$).$

How much does Sandy need to save each year in order to reach their goal? $($FV Annuity during working years, solve for CF$).$