IRAs. Lisa and Mark married at age 22. Each year until their 30th birthdays, they put $4,000 into their traditional IRAs. By age 30, they had bought a home and started a family. Although they continued to make contributions to their employersponsored retirement plans, they made no more contributions to their IRAs. If they receive an average annual return of 8%, how much will they have in their IRAs by age 60? What was their total investment?