$3.$ This morning, Investor X deposited $$2,500$ into an account that pays $5$ percent interest, compounded annually. Also, this morning Investor Y deposited $$2,500$ at $5$ percent interest, compounded annually. Investor X will withdraw their interest earnings and spend it as soon as possible$/$ Investor Y will reinvest their interest earnings back into the investment account. Given this information, which one will earn more interest?