You just won a small lottery of $$25,000$ and plan on investing it for retirement over the next $30$ years. For the $20$ years, you are going to invest in the stock market and expect a $10\%$ annual return. However, you are concerned about volatility of the stock market as you get close to retirement. After the $20$ years, you will sell your stocks and irvest your money in the bond market with an expected return of $6\%$ per year for the remaining $10$ years. How much money do you expect to have at retirement in $30$ years?