Devin currently has $75,000 saved and plans to save $9,000 per year for 18 years. His first savings contribution is expected in 1 year. What annual expected return does Devin need to earn to have $450,000 in 18 years? Answer as a rate in decimal format so that 12.34% would be entered as .1234 and 0.98% would be entered as .0098.