You were given $$5,000$ on the day you were born and your parents thought you should put it into a fixed rate account which yields $6\%$ annually, compounded monthly, and leave it there $($until today$).$ You were unusually savvy for a newborn and counter$-$offered with a proposal where you would get $$40/$month $($until today$)$ and you would have it direct deposited into an investment which has a locked in return rate of $3\mathrm{.}6\%,$ compounded monthly. Which one is a better deal for you? Calculate the value of each one.