Employee plus employer contributions to a 401(k) are $11,000 per year. Equity funds are earning 10 percent; bond funds, 5 percent; and money market funds, 3 percent. The employee will retire in 30 years. How much money will he have if he earns the average return from putting 65 percent of his money in equities, 30 percent in bond funds, and the rest in money market funds?