5. Early Investor Wins. Eric and Adam, who are twins living in Rexburg, Idaho, took diff erent approaches to investing. Eric saved $2000 per year for 10 years starting at age 23 and never added any more money to the account. Adam saved $2000 per year for 20 years starting at age 35. Assuming that the brothers earned an 8 percent return, who had accumulated the most by the time they reached age 63? Use Appendixes A.1 and A.3 or the Garman/Forgue companion website.