Joan is saving to open her own dress shop in 10 years. She currently has $10,000. In addition, she plans to save $2,000 per year for the next 5 years and $3,000 per year for the following 5 years. How much will Joan have in 10 years if she earns a 10 % return on her savings?

A) $76,129
B) $63,925
C) $44,255
D) $159,370

In 5 years, Joan will save:
$2,000/year x 5 years = $10,000
In the following 5 years, Joan will save:
$3,000/year x 5 years = $15,000
After 10 years, Joan will have:
Initial investment: $10,000
Plus savings over 10 years: $10,000 + $10,000 + $15,000 = $35,000
Plus interest earned on investments: $35,000 x 1.10^10 = $63,925.12
Therefore, Joan will have $63,925 in 10 years with a 10% return on her savings.