Employee plus employer contributions to a 401(k) are $20,000 per year. Equity funds are earning 10 percent, bond funds 6 percent, and money market funds 3 percent. The employee wants to retire as soon as possible with $1 million in retirement assets. If he puts 45 percent of his money in stocks, 35 percent in bonds, and 20 percent in money funds, how long until he can expect to retire?