Shaylea, age $22,$ just started working full$-$time and plans to deposit $$4,200$ annually into an IRA earning $10$ percent interest compounded annually. How much would she have in $20$ years, $30$ years, and $40$ years? If she changed her investment period and instead invested $$350\mathrm{.}00$ monthly, and the investment also changed to monthly compounding, how much would she have after the same three time period? Comment on the differences over time. With annual investments and compounding, after $20$ years, Shaylea would have $$\_\_\_\_\_\_\_\_.($Round to the nearest cent.$)$