Molly Lincoln, a $25-$year$-$old personal loan officer at First National Bank, understands the importance of starting early when it comes to saving for retirement. She has committed $$3,500$ per year for her retirement fund and assumes that she'll retire at age $65.$

How much will Molly have accumulated when she turns $65$ if she invests in equities and earns $8$ percent on average? Round your answer to the nearest dollar.

$

Molly is urging her friend, Isaac Stein, to start his plan right away, too, because he's $45.$ What would his nest egg amount to if he invested in the same manner as Molly and he$,$ too, retires at age $65?$ Round your answer to the nearest dollar.

Nest egg amount at $4\%=$ $

Nest egg amount at $8\%=$ $

Comment on your findings.