John and George are cousins that are the same age but with different savings goals. When John is 20 years old, he starts investing $5,000 earning 5% compound interest. George has no plan and starts investing at 40 years old. In order to reach his retirement goals, he invests $10,000 earning 5% compound interest. Based on this fact pattern, which cousin will have more money at retirement? With the same investing pattern, will they ever have an equal amount saved? Explain