IRAs. Lisa and Mark married at age 20. Each year until their 35 th birthdays, they put $2,500 into their traditional IRAs. By age 35, they had bought a home and started a family. Although they continued to make contributions to their employer-sponsored retirement plans, they made no more contributions to their IRAs. If they receive an average annual return of 12%, how much will they have in their IRAs by age 65 ? What was their total investment? If they receive an average annual return of 12%, the amount they will have in their IRAs by age 65 is $, (Round to the nearest dollar.)