The Effect of Early Investing Tory decides to get an early start on retirement and, beginning at age 22, she invests \($3,000\) a year in a Roth IRA for 10 years in a row. At that point, she stops contributing to the account but leaves the money invested until age 65 (a period of 33 years). Tory’s brother Harry doesn’t start investing until he’s 32 but from then on invests \($3,000\) in a Roth IRA each year for 33 years until retirement at age 65. If both of them earn 10 percent annually on their investments, compounded annually, which one has more in the account at the end?

How much more?