Tom's daughter is going to college 5 years from now. And Tom is preparing to pay for his daughter's college tuition. The tuition is $20,000 per year. Tom's daughter is expected to finish her degree four years after she first enters college. If, when Tom's daughter enters college, the college decides to increase the tuition by 2.0% per year after the first $20,000 payment and requires the tuition to be paid at the beginning of the year, how much more Tom needs to have 5 years from now?