You already have $101,000 in your savings account. You decided that you need to have $769.310 in your savings account when you retire, which is 22 years from today. You can save $3,900 semi-annually, for the next 22 years. What return return would result in $769,310 in your savings account when you retire 22 years from today? 5.8% 6.4% 3.2% 6.7% 6.0%