Janine is 25 and has a good job at a biotechnology company. she currently has $5,000 in an ira, an important part of her retirement nest egg. she believes her ira will grow at an annual rate of 8 percent, and she plans to leave it untouched until she retires at age 65. janine estimates that she will need $875,000 in her total retirement nest egg by the time she is 65 in order to have retirement income of $20,000 a year (she expects that social security will pay her an additional $15,000 a year). how much will the $5,000 in janine’s ira be worth when she needs to start withdrawing money from it when she retires?