Barry has just become eligible for his employer-sponsored retirement plan. Barry is 40 and plans to retire at 65.

Barry calculates that he can contribute $4,200 per year to his plan. Barry's employer will match this amount. If Barry can earn a return of 4% on his investment, he will have $349,826 at retirement. Assuming a return of 4%, how much would Barry have if he could invest an additional $1,260 per year that his employer would match beginning at age 40? If Barry could invest an additional $1,260 per year that his employer would match beginning at age 40, at retirement, he would have ___.