Hello! Please solve but elaborate on which equations, calculations, and steps you use to solve. I would strongly prefer elaboration so that I'm able to comprehend the problem (instead of just writing or copying from other questions students have asked before). I will rate quickly. Thank you for your time and help!

After 5 years of working for one employer, you accept a new job. Your retirement account total is $60,000. Half is yours and half is your employer's matching contributions. You now have two alternatives. (1) You may leave both contributions in the fund until 7-73 retirement in 35 years, when you will receive its future value at 4% interest. (2) You may take out the total value of your contributions. You can do as you wish with the money you take out, but the other half will be lost as far as you are concerned. Which alternative is more attractive? Why