Willingdon Club pays its employees only once a year, every December 31st. On December 31 2020 Golak will receive a salary of $60,000. Golak plans to start saving for retirement beginning next year and on December 31, 2021 Golak will start depositing 3 percent of her annual salary that earns 10 percent per year. If Golak retires in 42 years and her salary increases at 5 percent each year, what is Golak's worth when she retires?