$($Calculating future value$)($Related to Checkpoint $5\mathrm{.}2$ on page $168)$ Penny has just turned $35$ years old and plans to retire when she turns $65.$ She wants to buy a small cottage in the Alps after retirement. She has just deposited $25,000$ in an account that pays $6$ percent. What amount will she get upon retirement? How much will she get if she decides to retire five years earlier, at the age of $60?$