Shaylea, age 22, just started working full-time and plans to deposit $5,300 annually into an IRA earning 9 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 $441.67 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.