21. Assume you will work for 25 more years, and then retire, planning to be have your retirement last 20 years. Your salary has been $60,000 and so you want to have that yearly during retirement, but with inflation adjustments for when you will actually take out that money. Assume there will NOT be any adjustments for inflation DURING your retirement. The expected inflation rate is 2%, you can earn 12% before retirement and 6% after retirement. How much do you need to invest each month (beginning right now) in order to be able to afford to retire? 22. You have a 4% home loan that is for $250,000 for 15 years with monthly payments. How much total INTEREST do you save over the life of the loan, if you make a ONE TIME extra principle payment of $30,000 in period number 12? 23. Assume a company creates cash flows of $100,000 one year from now, $150,000 two years from now, $200,000 three years from now, and four years from now will be sold for $1,000,000. Assuming you want to earn a 10% return, what is the value of that company today, that you would pay to buy it