First find the total Janet spends on clarinet lessons per week: $40/hour * 3 hours/week = $<<40*3=120>>120/week
Then find the total Janet spends on piano lessons per week: $28/hour * 5 hours/week = $<<28*5=140>>140/week
Then subtract her weekly clarinet spending from her weekly piano spending to find the weekly difference: $140/week - $120/week = $<<140-120=20>>20/week
Then multiply the weekly difference by the number of weeks in a year to find the annual difference: $20/week * 52 weeks/year = $<<20*52=1040>>1040/year
#### 1040