Suppose one twin saves and invests $5,000 per year from the time he/she is 20 years old to 30 years old, so for 10 years in total, and then stops. Suppose that this sum will continue to grow for another 30 years. Assume 9% compound interest. Suppose the other twin waits 10 years and invests $5,000 per year from the time he/she is 30 years old to 60 years old, so for 30 years in total. Once again, assume 9% compound interest. How much will each twin have when each of them turns 60 years old? Please be sure to show your work and explain what you did.