Meghan is 45 years old and has just been hired to a new firm. She has $120,000 in the retirement plan of her former employer. She can roll that money into the retirement plan of her new employer. She will also contribute $7,400 each year into her new employers plan. If the roller-over money and the new contributions both earn an 7.75% return (compounded annually), how much should she expect to have when she retires in 20 years (rounded to the nearest dollar)?