A friend wants to retire in 35 years when he is 60. At age 25, he can invest $100/month that earns 6% each year. But he is thinking of waiting ten years, and then investing $200/month to catch up, earning the same 6% per year. He feels that by investing twice as much for 25 years instead of 35 years he will have more. What is the future value of each of these options at age 60, and under which scenario would he accumulate more money?