I am not sure how to calculate this question, I was attempting to use FV. "Today you opened up a local bank account. Your plan is to make five $4000 contributions to this account. The first $4000 contribution will occur today and then every 6 mo you will contribute another $4000, for a total of 2 years. The bank account pays a 6% APR, that is compounded monthly. After 2 years, you plan to leave the money in the account earning interest, but you will not make any further contributions to the account. How much will you have in the account 6 years from today?"