Marissa decides to save AND invest for retirement. She makes an initial deposit of $2000 in her savings account which earns 1.5% annually. Her contributions are $150 a month. Then, she makes an initial deposit of $1,000 in the US stock market through an index fund contributing $300 a month with a 6.8% return annually. What is the balance of Marissa’s retirement account after 30 years?