You are meeting with a financial planner to begin saving for retirement. Your starting salary is $$65,000$ in year one and you expect to receive pay increases at a rate of $3\%$ each year for the first $30$ years of your career, then maintain your salary until you retire. Your financial planner advised you to invest $10\%$ of your yearly salary into a retirement account to maintain a similar lifestyle in retirement. You expect to work for the next $40$ years. How much will you have in the account when you retire if your retirement account produces an average return of $9\%$ per year?