Steve Austin (The Six Million Dollar Man) is tired of being known as the cyborg that COST six million dollars, he wants to HAVE six million dollars. As a secret agent, Steve makes $150,000 a year and is willing to save half of his income each year to achieve his goal. Assuming that Steve is 30 and would like to head to the Florida Cyborg Retirement Village at age 59, what rate of return will he need to receive?