You just turned $20$ years old and want to retire when you turn $65.$ You plan to put

$$4,400$ every year into a ROTHIRA, a retirement account from which you can

withdraw money after retirement without having to pay any taxes. You expect to

earn a return of $4\%$ on your investments every year:

Part $1$

How much money can you expect to have at age $65$ if you make your first annual

deposit now and your last one on the day you turn $64?$