An 18-year-old has nothing in savings but starts to save $100 every month + 10% annual return. A 22-year-old with no savings starts to save $100 every month, how much less money will the 22-year-old have when they are 65-years-old?

A. $0-$99,999

B. $100,000-$199,999

C. $200,000-$299,999

D. $300,000 or higher