You plan to retire in 20 years. Use Excel to calculate whether it is better for you to save $21,000 a year for the last 10 years before retirement or $18,100 for each of the 20 years. Assume you are able to earn 9 percent interest on your investments. (Round your final answer to the nearest whole dollar amount.)

It is much better to save_____ for _______(the last 10 years before retirement. /the 20 years before retirement.)