DO NOT USE EXCEL

Oscar just celebrated his 30^th birthday today (t = 0). Currently, Oscar has no money saved (in other words, her savings = 0). Oscar realizes that he needs to begin saving for retirement. He plans to deposit into an investment account $3,000 annually at the end of each of the next 35 years. The first deposit will occur one year from now when he turns 31 (t = 1), and the final deposit will be made on his 65^th birthday (t = 35). Oscar plans to retire when he makes his final deposit on his 65^th birthday. He expects to earn an annual 10% rate of return on his investment. How much will Oscar have accumulated in her account when he retires on his 65^th birthday?