How much more money will your twin have at, Financial Management

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How much more money will your twin have at

You have 40 years to retirement. You will save $0 for the first 10 years, and then save $5,000 per year for the last 30 years. Your twin also has 40 years to retirement. He/She will save $5,000 per year for the first 10 years, and save $0 for the last 30 years. Assume annual return on investments is 12% for both strategies.

- How much more money will your twin have at retirement?

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