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Assume you can earn 8.2% per year on your investments. a. If you invest $120,000 for retirement at age 30 , how much will you have 35 years later for retirement? b. If you wait until age 40 to invest the $120,000, how much will you have 25 years later for retirement? c. Why is the difference so large? a. If you invest $120,000 for retirement at age 30 , how much will you have 35 years later for retirement? The future value is $. (Round to the nearest dollar.)