usan would like to receive $90,000 per year (in today's dollars) when she is financial independent at age 60. She expects inflation to be 4% per year and her investments to achieve nominal returns of 9% per year (compounded yearly). She is happy for her income after age 60 to decline by 2% per year compared to inflation but would like the retirement income to never run out. How much does she need for financial independence (in today's dollars)? Your answer should be rounded to the nearest dollar ($ 0dp).