Dahlia is 22 years old and has just landed a banking job. She creates a budget, and using the 50-30-20 budget philosophy, she sees she should save or pay down debt with \(\$ 400\). She decides to apply \(\$ 250\) per month to long-term savings. She finds an account bearing \(6.2 \%\) interest compounded monthly. Dahlia begins investing \(\$ 250\) per month in that account on her 23rd birthday. How much will be in the account on her 68th birthday (45 years)?