Joey plans on retiring in 40 years and would like to have a nest egg of $5,000,000 saved by then. How much do you need to save each month if you can earn a 15% annual return? How much do you need to save each month if you can only earn a 5% annual return? Still working with the 5% annual return, how much do you need to save each month if you wait ten years to start (30 years of saving)

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