include an Excel spreadsheet as an attachment that shows how you arrived at your answers. Make sure to use the Excel functions for finding the answers; do not merely but a formula in a cell. You plan on retiring in 40 years and would like to have a nest egg of $5,000,000 saved by then. a. How much do you need to save each month if you can earn a 15% annual return? b. How much do you need to save each month if you can only earn a 5% annual return? c. Still working with the 5% annual return, how much do you need to save each month if you wait ten years to start (meaning that you will only have 30 years of saving instead of 40 years). d. Reflect on your answers for a, b, and c above. Briefly tell your group mates one take-away that you have learned related to interest rates, time, and money.