compounded annually

Problem 10: You want to retire in 40 years and you would like to save for your retirement by making annual $20,000 deposits into your saving account that pays 6% interest rate. You plan to make the first deposit exactly 1 year from now. Unfortunately, because of unexpected financial problems, you were not able to make your 15th deposit (but you made all the remaining 39 deposits). How much money will you have in your account 40 years from now (right after your last deposit)