Time value Personal Finance Problem You can deposit $12,000 into an account paying 7% annual interest either today or exactly 5 years from today. How much better off will you be 25 years from now if you decide to make the initial deposit today rather than 5 years from today? The future value at the end of 25 years if you deposit $12,000 at 7% today is $ (Round to the nearest dollar.) The future value at the end of 25 years if you deposit $12,000 at 7% 5 years from today is $(Round to the nearest dollar.) If you invest the $12,000 now instead of waiting for 5 years to make the investment, you would be better off by $ (Round to the nearest dollar.)