will earn a return of 12% over the next 30 years. a. If Hal makes annual end-of-year $2,000 deposits into the IRA, how much will he have accumulated by the end of his 60 th year? b. If Hal decides to wait until age 40 to begin making annual end-of-year $2,000 deposits into the IRA, how much will he have accumulated by the end of his 60 th year? c. Using your findings in parts a and b, discuss the impact of delaying making deposits into the IRA for 10 years (age 30 to age 40 ) on the amount accumulated by the end of Hal's 60 th year. a. If Hal makes annual end-of-year $2,000 deposits into the IRA, how much will he have accumulated by the end of his 60 th year? (Round to the nearest Cent.) b. If Hal decides to wait until age 40 to begin making annual end-of-year $2,000 deposits into the IRA, how much will he have accumulated by the end of his 60 th year? (Round to the nearest cent.)