James Cigarettes acquired a bad habit of smoking in high school. James spends approximately $$71$ a month or $$852$ a year on cigarettes. He is not concerned with health issues, but he is keenly aware of financial issues. Show James how much he would have at retirement in $20$ years if he invested $$852$ a year at $4\%$ instead of smoking. $($For calculation purposes, use $5$ decimal places as displayed in the factor table provided. Round answer to $2$ decimal places, e$.$g$.52\mathrm{.}75.)$

Click here to view the factor table.

Amount $