At grade 12 graduation, you made the decision to go to university. Your best friend decided to go to work. you will invest 20,000 per year for 4 years into your education and then start earning 70,000 per year in year 5. Your friend has no investment. She went out and got a job at Starbucks making 40,000 per year from the start. The discount rate is 5% per year. After 10 years, who is better off? After a 40-year career- who is financially better off?