Heather is looking at different options for retirement investing. she finds an ira that will pay 5% interest on the balance every year until she retires. once she retires it will no longer pay any interest on the balance. she decides to do this and invests $5,000 in the account. she retires 20 years after she opened the account. if she has still not withdrawn any money, how much money is in the account when she retires?