A young man has just been employed by a government agency. He has good job security and expects consistent 3% annual salary increases. His starting annual salary is $30,000. He plans to save 10% of his monthly salary at a bank, which pays 5.4% interest, compounded monthly. At the end of each year, he will put accumulated savings into a money market fund that is expected to pay 8% interest at the end of each year. Calculate the amount of money he expects after years.