You are 25 years old. Everyday, you spend $4 on stuff you can without (coffee, cigarettes, pop, beer, wine, fried food, ice cream, you get the idea). Because you took my class, you've decided to stop one these habits (you decide which one to quit). If you invest these savings into a savings accounts for the next 45 years, how much money will have saved toward retirement? You invest the money monthly and it earns 8.125% compounded monthly. HINT: For this calculation, each month has exactly 30 days.