How much would you have after 18 years with an interest rate of 13% if you invest $191,000 today?

Adam and Ashley both graduate from Dalton State and begin working as financial analysts. They will both work for exactly 40 years and then retire. Both plan to save for retirement, however each goes about it differently. Ashley begins saving $5,000 per year for ten years, beginning at the end of her first year on the job. Adam wants to travel and buy nice furniture for his house and allows those ten years to pass before he begins saving for retirement (note: he begins saving at the end of the 11^th year). He saves $5,000 per year (for 30 years) until he retires. If they both get a 9.00% interest rate, how much more will Ashley have at retirement compared to Adam?