John Cigarettes acquired a bad habit of smoking in high school. John spends approximately $83 a month or $996 a year on cigarettes. He is not concerned with health issues, but he is keenly aware of financial issues. Show John how much he would have at retirement in 20 years if he invested $996 a year at 5% instead of smoking. (For calculation purposes, use 5 decimal places as displayed in the factor table provided. Round answer to 2 decimal places, e.8. 52.75. Click here to view the factor table. Amount $