You feel that you will need $3.5 million in your retirement account and when you reach that amount, you plan to retire. You feel you can earn an APR of 10.4 percent compounded monthly and plan to save $500 per month until you reach your goal. How many years will it be until you reach your goal and retire? Multiple Choice 34.12 years 48.61 years O O O 36.74 years O 39.80 years 41.66 years