You always enjoyed a Starbucks Iced Oat Latte every day (5 days a week) on your way to work at a cost of $5.70 including tax. At lunch you'd pick up a sandwich and coffee from the bakery at your office building for an all-in cost of $12.50. You were tired after your long commute so you would order out three nights a week at a cost of about $20 per meal. You have been trying to save for a trip but never had any extra cash to invest. Then COVID hit and you had to work from home. Now that you are back at your office, you are bringing your own coffee, packing your own lunch, and only eating out occasionally. You estimate you are spending only about 10% weekly of what you were spending precovid and saving the rest. 

If you invest your weekly savings into a mutual fund with an annual rate of return (APR) of 6.5%, compounded weekly.

How much will you have accumulated at the end of two years to fund your trip?

How much would you have to deposit in one lump sum today to have the same amount in your savings at the end of two years?