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Lisa began working at 20 yrs old and made $2000 annual contribution to IRA the first year beginning with her first year, makes 13 contributions and worked until 32 and plans to draw from it at the age of 65

Bob started his IRA annual contribution at the age 32 and he used his own discretionary income during his first 12 years to do other things. At age 32 he made his first contribution of $2000 and continued to do so until the age of 65 years old. He plans to draw from his IRA at the age of 65 years of age. Both IRA grew 7% annual rate without any tax effect

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