Sarah Wiggum would like to make a single investment and have $1.9 million at the time of her retirement in 40 years. She has found a mutual fund that will earn 5 percent annually. How much will Sarah have to invest today? If Sarah invests that amount and could earn a 15 percent annual return, how soon could she retire, assuming she is still going to retire when she has $1.9 million?

To have $1.9 million at retirement, the amount Sarah must invest today is $ enter your response here. (Round to the nearest cent.)