Twins, Wanda and Pietro graduate from Sokovia University and start working at age 23. They each chose different financial plans with respect to retirement. However, both of their retirement plans earned the same interest rate of 9%. They both retired at 55. Wanda immediately put $7,500 per year into a retirement account. After 15 years, she made no further contributions into the account and retired at 55. (The account continues to accumulate until age 55). Pietro did not start saving for retirement until later in life. When he was 30 years old, he started investing $5,000 each year until he retired at age 55. 

1) How much did each of them contribute out of pocket? 

2) What is the value of each of their retirement accounts upon retirement? 

3) Who has more and why? ANSWER ALL QUESTIONS AND SHOW ALL WORK FOR FULL CREDIT