Suppose you and your friends, 25 years old and both plan on retiring at the full Social Security retirement age of 67. One decides to start now and saves $400 a month at 8% compounded quarterly. The other shouts "YOLO!!" and delays saving until halfway, the age of 46. They realize that should save more, so they save double the amount, $800 a month at 8% compounded quarterly. who will have more ?