Imagine Li is now 26 and he wants to become millionaire (1 million) when hes 40. He can save $10,000 at the end of the year for the next 4 years. Thereafter, he can save $60,000 every year for ten years. If he can make 10% on his stock investment every year. Can he realize his dream when he is 40? (hint: essentially there are two annuities going on here, right? So, this is equivalent to calculate the future value of those two annuities and sum them up.)