In 2021, Braxton earns $79,000 from his job in total income. He contributes $5,000 to his traditional 401(k), which receives no company match. He never makes any additional contributions. In 30 years, how much can he expect to have in his account if he invests in a total stock market fund that earns a 10.6% annual compounding rate, but charges a 0.08% expense ratio?