You want to fund a Roth IRA each year on January 1. A Roth IRA gives you the right to invest $5,500 in after-tax dollars each year, and you never have to pay taxes afterward on either the amount invested or the investment returns. Let's say you face a choice: a) invest $5,500 on the day you turn 27, and also $5,500 on every birthday through 35, then never make another investment afterward; b) wait to start investing, then invest $5,500 oat your 36th through 69th birthdays. In either case, the annual return on investment is 9%. First, determine the total (undiscounted) investment in each case. Calculate the total accumulate from each choice as of your 70th birthday. In a textbox nearby, explain why the results came out as they did.