Your friend is celebrating her 35th birthday today and wants to start saving for her anticipated retirement at age 65. She wants to be able to withdraw $150,000 from her savings account on each birthday for 23 years following her retirement, the first withdrawal will be on her 66th birthday. Your friend intends to invest her money at 8.6% interest per year. How much money must she accumulate by the time she retires in order to make these withdrawals? (Round your answer to the nearest dollar)