Use the savings plan formula to answer the following question. A friend has an IRA with an APR of 7.75% She started the IRA at age 19 and deposits $20 per month. How much will her IRA contain when she retires at age 65? Compare that amount to the total deposits made over the time period. After retirement the IRA will contain (Do not round until the final answer. Then round to the nearest cent as needed.) The total deposits made over the time period is $. (Type a whole number.)