Lauren Crawford, age 23, earns $50,000 a year and she invests 6 percent of her salary, $3,000 annually, through her employer-sponsored 401(k) retirement account. Because her employer also contributions 50 cents for every dollar she contributes, Lauren is saving $4,500 each year ($3,000 = $1,500). Even if she never increases her 401(k) contributions, about how much money will she have in the account after 40 years if she earns an 8 percent return?