show work please. thumbs up!

interest rate = 5%

You have just started your first job and so you're starting to think about your retirement which you should). You plan on working for the next 40 years. You have two options: 1) Save $10000 per year for the next 15 years and then the balance of that account until retirement, 2) Save nothing for the next 15 and then start saving $15,000 per year for the next 25 years. If you take the first option you will have compared to plan 2 an extra $160,966 at retirement $75,000 less at retirement $456,964 less at retirement None of these answers are correct