Jesse and Lila need to decide if they want to deposit money this year. If they do, they can deposit \(\$ 17,400\) and allow the money to grow for 35 years. However, they could wait 12 years before making the deposit. At that time, they'd be able to collect \(\$ 31,700\) but the money would only grow for 23 years. Their account earns \(4.63 \%\) interest compounded monthly. Which plan will result in the most money, depositing \(\$ 17,400\) now or depositing \(\$ 31,700\) in 12 years?