Nicholas is 25 years old. He earns $10,000 a year while completing grad school. He does not need any of this money for expenses (takes low interest Federal student loans and grants to cover all expenses) if he funds a Roth IRA for each the next 3 years at the maximum, how much will he have at age 60 if the he averages 7.0% annual return until age 60 ? (exclude "\$" sign and round to nearest whole dollar)