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Retirement planning Personal Finance Problem Hal Thomas, a 25 -year-old college graduate, wishes to retire at age 65 . To supplement other sources of retirement income, he can deposit $2,500 each year into a tax-deferred individual retirement arrangement (IRA). The IRA will earn a return of 15% over the next 40 years. a. If Hal makes end-of-year $2,500 deposits into the IRA, how much will he have accumulated in 40 years when he turns 65 ? b. If Hal decides to wait until age 35 to begin making end-of-year $2,500 deposits into the IRA, how much will he have accumulated when he retires 30 years later? c. Using your findings in parts a and b, discuss the impact of delaying deposits into the IRA for 10 years (age 25 to age 35 ) on the amount accumulated by the end of Hal's 65 th year. d. Rework parts a, b, and c assuming that Hal makes all deposits at the beginning, rather than the end, of each year. Discuss the effect of beginning-of-year deposits on the future value accumulated by the end of Hal's 65th year