Riya's current annual gross wage is $81,000.00. For retirement, she wants to have enough saved to live off of 80% of her current annual gross wage and withdraw 4% the first year. Calculate the total Riya will need in retirement savings to meet her retirement income goal.

$1,480,000.00
$1,545,000.00
$1,620,000.00
$1,710,000.00