Your father needs some advice on his retirement planning. He manages to have $ 100,000 in his account. He plans to sell his house for $80,000, after taxes, in ten years. He will retire in 20 years and expects to save $ 10,000 a year for the next 10 years, and $ 15,000 a year for the following 10 years. All the saving made at the end of year. If he makes five percent interest on his savings and the rates are expected to increase another 6% after 10 years, how much money is he going to have in his account in 20 years?