$$Shaylea$,$ age$22,$ just started working$$ full$-$time and plans to deposit $$$$5,500$ annually into an IRA earning $6$ percent interest compounded annually. How much would she have in $20$years$,30$years$,$ and $40$years$?$ If she changed her investment period and instead invested $$$$458\mathrm{.}33$monthly$,$ and the investment also changed to monthly$$ compounding, how much would she have after the same three time$$ periods? Comment on the differences over time.