Question: If a 22 year (Sam) invested $4,000/year into a Roth IRA until his 30th year, what will the value of that IRA be in the 65th year, assuming 8% per year? If his brother (Winston) waited until his 31 year to start investing $4,000 into his Roth IRA and continued making this $4,000 annual investment until he was 65 - who would have more?