Retirement accounts such as a 401k or ROTH IRA allow you to invest your money into the stock market in the hopes of getting better returns long-term. The average interest rate for a 5-year period of the market varies significantly, but for the last 5 years it has averaged ~12% per year. If you had instead invested in the stock market and your investments generated an average 12% annual interest rate, how much money would you have in your account in 2023?