Bill and Sally both have $3,000 to save that they find lying around after theyve harvested their money tree all year. They decide to invest in a savings plan that earns 6%. They anticipate their surplus in monies to be constant for the next 7 years, investing the same amount. Bill likes to keep some extra cash on hand so he decides to wait until the end of the year to start his investment. Sally, on the other hand, decides to start her investment today. How much money do each of them have after the 7 years? Who has more and why? (Hint: Its the smarter of the two!)