steps to solve this using a financial calculator not excel

Congratulations, you have won the lotteryl Would you rather have $80 million, spread out in 21 annual payments of $4 millon, with the frot payment ocming one year from now, or PeSi 20 mifion paid out as a lump sum today? (Assume a discount rato of 6.4\%.) The present value, PV, of the $4 mision at the end of each of the noxt 21 years is 3 (Round to the nearest cent.)