Today, you received your tax return and realized that this would be a great opportunity to start saving some money every year for 40 years until you retire. Since you have already made a plan for how to spend this year's return, you will start saving a year from today (still 40 years of contributions). You will invest $3,000 a year into an account that will give you a 5% annual return. How much will you have when you retire? $380,519.29 $122,971.85 $51,477.26 $362,399.32 $383,519.29