Here is your 25-year savings plan:

• $200 a month for the nextnext two years. You will earn just 1.0% annual interest, or return, on this savings.
• $400 per monthfor years 3, 4, and 5. Because you will have learned to be a smart beginning investor by this time, you believe you can earn a 5.0% annual return on any invested funds.
• $900 per monthfor the remaining 20 years. By this time you expect to earn a 10.0% annual return.

In addition, you start out your savings plan with a savings balance of $5,000. If you never withdraw any funds from the account, if all funds earn the going rate of returnfor the time period, and if all of your savings is deposited at the end of each year,how much should you have in total at the end of 25 years?