12. Your friend thought you were goofy for saving so young and instead spent it on "living". Your friend started investing $3,500 at the end of each year at age 30 through age 67 this morning (a total of 38 years). Your friend is bemoaning the fact that s/he worked so long and you did not, but bragged how much was in their retirement account, so at least that is a benefit. S/he also earned 8.77%, how much is in the account?