Tom decides to get an early start on retirement saving and, beginning at age 22, he invests $3,000 per year in a Roth IRA for 10 years in a row. At that point, he stops contributing to the account but leaves the money invested until age 65 (a period of 33 years). Harry doesn't start investing until he's 32 but from then on invests $3,000 in a Roth IRA each year for 33 years until retirement at age 65. If both men earn 10 percent per year on their investments, compounded annually, which one has more in the account at the end? How much more?