Please solve it by hand step by step

Xena is thinking about what to do with her money. She has $20,000 in the bank earning 4% per year (variable rate). She has an option of investing that money into a project which will pay her $10,000 in one year, $8,000 in two years, and $3,000 in three years. Should Xena invest? Discuss all relevant factors to support your decision