You are saving for retirement. To live comfortably, you decide you will need to save $3,000,000 in your RRSP by the time you are 65. Today is your 31st birthday, and you decide, starting today and continuing on every birthday up to and including your 65th birthday, that you will put the same amount into an RRSP account. If the interest rate is 4%, you set aside $40,732 each year to make sure that you will have $3,000,000 in the RRSP account on your 65th birthday. You realize that your plan has a flaw. Because your income will increase over your lifetime, it would be more realistic to save less now and more later. Instead of putting the same amount aside each year, you decide to let the amount that you set aside grow by 6% per year. Under this plan, how much will you put into the RRSP account today? (Recall that you are planning to make the first contribution to the RRSP account today.)

The first payment is ?. (Round to the nearest dollar.)