You just graduated from university. You plan to work for five years and then go backpacking through Asia. You figure that you can save $3,500 a year for the first three years and $5,000 a year for the next two years. These savings will start one year from now. In addition, your family gave you a $2,500 graduation gift. If you put the gift, and the future savings when they start, into an account that pays 7.75% compounded annually, what will your financial "stake" be when you leave for Asia five years from now?