Your actuarial study buddy is also investing 10% of her salary at the end of each year into a retirement account. Her salary this year is also $45,000. However, at her company, she expects to receive annual salary increases of $3,000 each year as she passes actuarial exams. If the annual effective rate of interest is 6%, how much will she have in her retirement account at the end of 9 years?

Round your final answer to the nearest whole dollar.