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Your 21-year old niece, who is graduating from college next month, asked for your advice should she: A.Invest $5,000 per year into her retirement fund

Your 21-year old niece, who is graduating from college next month, asked for your advice should she:

A.Invest $5,000 per year into her retirement fund (9 payments) from age 22 30?

Or

B. wait until she turns 31 and invest $5,000 every year through age 65 (35 payments)?

please show work :)

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