From age 25 to age 40, Jessica deposited $200 at the end of each month into a tax-free retirement account. She made no withdrawals or further contributions until age 65. Alex made monthly deposits of $325 into his tax-free retirement account from age 40 to 65. If both accounts earned interest at the rate of 5%/year compounded monthly, who ends up with the bigger nest egg upon reaching the age of 65?  Hint: Use both the annuity formula and the compound interest formula. Jessica Alex

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