at age 25, someone sets up an IRA with an APR of 6%. At the end of each month he deposits $35 in the account. How much will the IRA contain when he retires at age 65?

65 - 25 == 40 years.

P=35; R=0.06/12; N=40*12; FV=P*((1 + R)^N - 1)/ R

FV==$69,702.18 - FV of the IRA after 40 years.