Today, you turn 21. Your birthday wish is that you will be a millionaire by your 40th birthday. In an attempt to reach this goal, you decide to save $20 a day, every day until you turn 40. You open an investment account and deposit your first $20 today. What rate of return must you earn to achieve your goal? a. 16.07% b. 16.13% c. 16.17% d. 16.70% e. 17.24%