Consider that you are 45 years old and have just changed to a new job. You have 82,000 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 $3800 each year into your new employer's plan.

If the rolled over money and the new contributions both earn a 5 percent return, how much should you expect to have when you retire in 20 years?