Shaylea, age 22, just started working full-time and plans to deposit $4,500 annually into an IRA, earning 7 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 $375.00 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.

With annual investments and compounding, after 20 years, Shaylea would have 9 (Round to the nearest cent