You opened a Roth IRA $($individual retirement account$)$ and made an initial deposit of $$7,000($this is the Roth IRA contribution limit for $2024$ for those under $50$ years of age$).$ Assuming that you make no additional contributions and you can earn an annual return of $8\mathrm{.}15\%.$

A$.$ What will your retirement account be worth when you retire in $40$ years?

B$.$ If you wait $8$ years before making the $$7,000$ contribution, what will your retirement account be worth?

Note: Do not round intermediate calculatiorts and round your answer to $2$ decimal places, e$.$g$.,32\mathrm{.}16.$

A$.$ Account balance if you start now

B$.$ Account balance if you wait $8$ years