4-9: 4-90. You invest 10% of your income into a savings product by paying annual deposits into the account, has which earn an interest at the rate of 10% per year, but all annot be withdrawn. At the time of retirement, inte the savings product converts into a checking account seve 8%, paying 3% interest, but with no restrictions on with- drawals from the account. You expect your income to increase by 2% every year. Assume you start saving in this product at the age of 25, when your annual income is $40,000. How much money will you have in the account when you retire at 652 (4.12) does 5 yea 4-96. earni time