Choose one of these verbs for each space in this text (about saving money for retirement). decided, were, would contribute, would start, started, had started, would cost, would have contributed, wanted, could do, would end up, could have paid

How many times have you heard, ‘If I (1) you, I
(2) saving now for retirement.’? If you (3)
to have £100,000 at age 65, you (4) it for as little as £31 per month. The earlier you start, the lower your monthly payments will be and the lower your total payment (the amount you contribute) will be.
Look at Sandra. She’s 24 now. Beginning next year, if she (5)
investing £31 every month, she (6) only £14,880 in total over forty years. So, she’d invest less than £15,000 in total and receive £100,000 from her investment. Now look at David. He’s 55. If he (7) investing at 30, he (8) only £46 every month and (9) £19,320. But if he (10) to start investing now, it (11) £552 every month and he (12) paying a total of £66,240. Doesn’t it make sense to start early?