Kong is looking to buy a Round the World Fare which is an airline ticket that allows him to travel anywhere around the world to multiple destinations. This is a life dream which he is planning for 10 years when he retires. In the meantime, this sort of trip requires a lot of planning and saving. To get there, he is planning to invest his money for 10 years. To date, he has deposited $20,000 into his Tax-Free Savings Account and expects to earn a rate of 4%, compounded monthly for the first 6 years, and 3.5%, compounded quarterly thereafter. How much will Kong have saved in 10 years?