A $20-$year$-$old student wants to save $$5$ a day for her retirement. Every day she places $$5$ in a drawer. At the end of each year, she invests the accumulated savings $($$$1,825)$ in a brokerage account with an expected annual return of $8\%.$ If she keeps saving in this manner, how much will she have accumulated at age $65?$ If a $40-$year$-$old investor began saving in this manner, how much would he have at age $65?$ How much would the $40-$year$-$old investor have to save each year to accumulate the same amount at $65$ as the $20-$year$-$old investor?