Consider that you are 45 years old and have just changed to a new job. You have $145,000 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 $6,700 each year into your new employers plan. If the rolled-over money and the new contributions both earn an 9 percent return, how much should you expect to have when you retire in 20 years?