You just opened a retirement account with a $5,000 deposit. Assuming that you can earn an 8% annual return (and that you make no additional deposits), what will this account be worth when you retire in 35 years? Now, assume that you wait 15 years before making the initial (and only) deposit to your retirement account. What will your account be worth when you retire (note, you are still retiring 35 years from today)? Does this suggest an optimal retirement strategy?