Your friend is celebrating her birthday and wants to start saving for retirement. She has provided you with the following information: Years until retirement: 40 Amount to withdraw each year in retirement: $90,000 Years to withdraw in retirement: 20 Interest rate while saving: 8% Interest rate in retirement: 3% Saved today: $10,000 The first deposit will be made one year from today, and the last deposit will be made on the day she retires. Her first withdrawal will not take place until one year after she retires and she plans to spend her entire nest egg. Calculate the amount she will need to have saved on the day she retires. (Enter a positive value and round to 2 decimals