Average Joe graduates from Eller and starts working in Tucson earning $55,000 annually, the average starting salary for Eller undergraduates. The median Tucson home price is $300,000. Joe wants to know how long it will take him to save up $60,000, which he will use as a 20% down payment on a $300,000 home. The maximum Joe can save each month is $750, and he will invest in a moderate risk portfolio that should earn 3.5% annually. How many months will it take Joe to save $60,000? a) 72 b) 81 c) 54 d) 67