Prepare an excel file with 4 excel sheets with 4 following questions:

1. Your retirement plan with annual +/- monthly saving until the age of 60. How much money you will need to save monthly and yearly by the age of 60 without working?
2. If you want to have an apartment by the age of 30, how much should you save per year/per month now? Please pick your dream house price
3. If you want to buy an apartment now (also pick your dream house price), please come up with calculations with 5 scenarios: no loans, with loans (100%,70%,50%,30%): yearly and monthly payments (interest, principals, balance)
4. Rent an apartment or buy an apartment is a better choice for you?

Hint: you can use saving rate: 6% and lending rate: 10% ( I'm 20 now )