Fred needs to start saving for retirement. He estimates he will work another 20 years, during which time his savings will earn a 5% annual interest rate. He would like to withdraw $15,000 from his savings each year during his 25 years of retirement. During his retirement years, he is estimating a 4% annual interest rate. How much should Fred save each year during his working years? Round your answer to the nearest whole dollar. Answers should not include commas, decimal points, or dollar signs. For example, $2,523.65 should be submitted as 2524.