Save 5000 yuan in the second year, with an annual interest rate of 4%. After 27 years, the total principal and interest is: 5000 * (1+4%) 27 = 5000 *1.0427.

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At the beginning of 28 years, the deposit was 5,000 yuan, with an annual interest rate of 4%. After 1 year, the total principal and interest is 5000 * (1+4%) = 5000 *1.04.

So the total * * * is:

5000*( 1.04+ 1.04^2+ 1.04^3+....+ 1.04^28)=5000*( 1.04^28- 1)/0.04

=5000*(2.998- 1)/0.04=249750