On her thirty-first birthday, Jean invests $1000 into her employer's retirement plan, and she continues to make annual $1,000 payments for 10 years. So her total contribution (principal) is $10,000. Jean then stops making payments into her plan and keeps her money in the savings plan untouched for 25 more years. Doug starts putting money aside on his fortyfirst birthday when he deposits $1,000 , and he continues these payments until he gets to be 65 years old. Doug's contributed principal amounts to $25,000 over this period of time. If Jean's and Doug's retirement plans earn interest of 6 % per year, how much will they have accumulated (principal plus interest) when they reach 65 years old? What is the moral of this situation?

Jean's future worth at the age of 65 will be?