You have researched your dream around-the-world vacation and determined that the total cost of the vacation will be $40,000. 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 enjoy your well-deserved vacation? Multiple Choice O 5.32 years 470 years O 5.81 years 5.09 years 6.67 years