You want to be a millionaire when you retire in 40 years. How much do you have to save each month if you can earn an annual return of 10.5 percent? How much do you have to save each month if you wait 10 years before you begin your deposits? 20 years? Amount needed $ 1,000,000 Years to save 40 12 Months per year APR 10.5% Years to wait before beginning Years to wait before beginning 10 Years to wait before beginning 20 Complete the following analysis. Do not hard code values in your calculations. All answers should be positive. Monthly deposit if you begin today Monthly deposit if you wait 10 years Monthly deposit if you wait 20 years