Your employer provides a 401(k) retirement plan and matches 100% of your contributions up to 5%. Your annual income is $54,000 and you expect to earn an annualized 8.0% return on your investment. What is the value of your 401(k) if you contribute 5% of your annual income after 30 years? What is the value if the return on investment is at a 10.0% annualized rate? How much of a difference would it be if you stopped making contributions five years earlier?