You have decided to save $1,000 per year toward your retirement. You estimate you will retire in 20 years. If you invest in the Vanguard Total Stock Market Index Fund (VTSAX) you can expect to earn a return of 10% each year for the next 20 years. Assume annual compounding of returns. Estimate how much money you will have in 20 years if all returns are reinvested into more shares of the fund.