You chose the correct answer.

John: $353, 514
Mary: $298, 127

At 22, John invests $1,000/month at 10% interest.  In 8 years, when John is 30,   he will have $12,579.5.  This amount  ($12,579.50)  will grow to $353,514 as a result of compounding at 10% in 35 years when he is 65.

Mary starts with zero at 30.  She invests $1,000/month at 10% interest.  Mary will receive $298,127 as a result of compounding in 35 years when she retires at 65.

Click to move on to Rule of 72.