Suppose you already have $32,000 in your retirement account. You anticipate investing $500 each month for the next 40 years until you retire. Recognizing that you are willing to take more risk during the earlier years, you anticipate that you will earn 14% per year during the first 35 year period. In the last 5 years prior to retirement, you expect to shift your retirement from more risky assets to less risk assets. Therefore you only expect to earn 5% per year during the last 5 years. What will your account be worth when you retire in 40 years? \begin{tabular}{l} $6,584,329 \\ $7,465,984 \\ $8,976,295 \\ $19,354,669 \\ $10,200,091 \\ $13,548,745 \\ $12,519,258 \\ $8,015,512 \\ \hline \end{tabular}