Consider that you are 35 years old and have just changed to a new job. You have $146,000 in the retirement plan from your former employer. You can roll that money into the retirement plan of the new employer. You will also contribute $6,800 each year into your new employers plan. If the rolled-over money and the new contributions both earn a return of 6 percent, how much should you expect to have when you retire in 30 years?