Thrift E$.$ Saver and Moni S$.$ Pender are both $20$ years old. Each intends to retire at age $65.$ Suppose they just entered the work force and will each earn $$150,000$ per year until retirement.

Thrift saves $$15,000$ per year for retirement. Moni doesn$$t save anything until she is forty years old. At that point, she saves $$30,000$ per year until retirement. $($Assume that Thrift saves $$15,000$ per year, starting in year $1$ and ending in year $45.$ Assume that Moni saves $$30,000$ per year, starting in year $21$ and ending in year $45)$

Assume the interest rate is $8\%$ per year. How much money will each have saved up by the time they reach retirement?