You are 30 years old today and decided to apply for a postgraduate in finance. Your current annual salary is RM36,000 and is expected to grow by 4% annually. Graduates in finance earns RM50,000 upon graduation, with salaries growing by 3.5% yearly. Cost of the 2 years of study is RM25,000 per year which should be paid at the end of each study year. So, If your retirement age is 67 and the discount rate is 7% annually, is it worthwhile to quit your current job and do your postgraduate? What is the IRR of your study?