kalyan adora, 22 just started working full time and plans to deposit $3,000 annually into on IRA earning 12 percent interest compounded annually. How much would he have in 20 years, 30 years and 40 years? if he changed his investment period and instead invested $250 monthly and the investment also changed to monthly compounding. how much would he have after the same three time periods? use the money in motion calculator to calculate each amount and comment on the differences over time.