Problem $1$:

If someone initiates smoking at the age of $20,$ consuming $3$ packs daily at $7\mathrm{.}5$ JDS each, totaling $2738$ JDSannually, what would this sum accumulate to by age $60$ with a $6\%$ yearly interest rate? Create a cash flowvisualization using Microsoft Excel.

Problem $2$ :

For Problem $1,$ suppose the inflation rate stands at $3\%$ annually. What would be the future value at age $60,(1)$Employing the geometric equation, and $(2)$ Utilizing Microsoft Excel's built$-$in financial functions?