The number of years can reflect delaying depositing money. 40 years would be depositing money at the start of a 40 -year career. 35 years would be waiting 5 years before depositing the money. Thirty years would be waiting 10 years before depositing the money, and so on. What do you notice happens if you delay depositing money?

Explore what happens when a person deposits money in an account earning compound interest.