Destiny invests $20,000 today into a retirement account. She expects to earn 7 percent, compounded annually, on her money for the next 30 years. After that, she wants to be more conservative, so only expects to earn 4 percent, compounded annually. How much money will she 'have in her account when she retires 40 years from now, assuming this is the only deposit he makes into the account? $225,359.94 $152,245,10 $377,605.04 $299,489.16 None of the answers is correct