Katya decided that she could not afford the $48,000 it would cost her to attend college and get her four-year degree. Instead, she entered the full-time workforce four years earlier than her peers who went to college. During those four years, she earned a total of $90,000. However, without a college degree, Katya made an average of $10,000 less than she could have with a degree every year for the 40 additional years of her career. What was the long-term financial cost of Katya deciding to not attend college?