1) Estimate the cost of your education. Include tuition, books, and the opportunity costs, for example, lost wages over 2-4 years. Assume all these costs occur today. 2) Estimate the increase in your annual earnings as a result of your education. Assume these benefits occur every year of your career. Calculate the present value of this annuity using an 7% discount rate in Excel. 3) Calculate the NPV of your college investment by subtracting the total cost from the PV benefit. 4) Does your NPV agree with the one in the article? What do you think of this result? Optional: Adjust your discount rate until the NPV = 0. This is the Internal Rate of Return of your investment in yourself. What do you conclude