YSue and Neal are twins. Sue invests $$5,000$ at $7$ percent when she is $25$ years old. Neal invests $$5,000$ at $7$ percent when he is $30$ years old. Both investments compound interest annually. Both Sue and Neal retire at age $60.$

Which one of the following statements is correct assuming that neither Sue nor Neal has withdrawn any money from their accounts?

What if you wait for $5$ years before contributing?