Ryan wants to save for retirement now. He will deposit $1,000 today, and continue to deposit that money at the beginning of every month for 30 years. He will earn 8% per year on his investments, compounded monthly. His brother David does not want to save yet. He will wait 15 years before he deposits $2,300 at the beginning of each month. He will earn 14% per year. Ryan and David will both retire at the same time in 30 years. What is the difference between their investments when they retire in 30 years?