Today is your ${20}^{th}$ birthday, and your parents just gave you $$5,000$ that you plan to use to open a stock

brokerage account. You plan to add $$500$ to the account each year on your birthday. Your first $$500$

contribution will come one year from now on your ${21}^{st}$ birthday. Your ${45}^{th}$ and final $$500$ contribution will

occur on your ${65}^{th}$ birthday. You plan to withdraw $$5,000$ from the account five years from now on your ${25}^{th}$

birthday to take a trip to Europe. You also anticipate that you will need to withdraw $$10,000$ from the account

$10$ years from now on your ${30}^{th}$ birthday to take a trip to Asia. You expect that the account will have an

average annual return of $12\%.$ How much money do you anticipate that yol$-$will have in the account on your