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You need to have $30,000 in 20 years. You can earn an annual interest rate of 3 percent for the first 6 years, 3.6

   

You need to have $30,000 in 20 years. You can earn an annual interest rate of 3 percent for the first 6 years, 3.6 percent for the next 5 years, and 4.3 percent for the final 9 years. How much do you have to deposit today?

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