Kim Edwards and Hiroshi Suzuki are both newly minted 30-year-old MBAs. Kim plans to invest $1,000 per month into her 401(k) beginning next month. Hiroshi intends to invest $2,000 per month, but he does not plan to begin investing until 10 years after Kim begins investing. Both Kim and Hiroshi will retire at age 67, and the 401(k) plan averages a 12 % annual return. Who will have more 401(k) money at retirement?