Time valuePersonal Finance Problem You can deposit $10,000 into an account paying 13% annual interest either today or exactly 10 years from today. How much better off will you be at the end of 40 years if you decide to make the initial deposit today rather than 10 years from today? The future value at the end of 40 years if you deposit $10,000 at 13% today is . (Round to the nearest dollar.)