You are planning to invest $$6,000$ in an account earning $12\%$ per year for retirement.

a$.$ If you put the $$6,000$ in an account at age$23,$ and withdraw it $45$ years$$ later, how much will you$$ have?

b$.$If you wait $10$ years before making the$$ deposit, so that it stays in the account for only $39$years$,$ how much will you have at the$$ end?