You have just made your first $5,000 contribution to your retirement account. Assuming you earn a return of 10 percent per year and make no additional contributions, what will your account be worth when you retire in 45 years? What if you wait 10 years before contributing? 5,000 10% Contribution amount $ Rate of return Years remaining: Deposit today Wait 10 years Complete the following analysis. Do not hard code values in your calculations. Your answer should be a positive value. Future value: Deposit today Wait 10 years