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 Years to save Months per year APR Years to wait before beginning Years to wait before beginning Years to wait before beginning 1,000,000 40 12 10.5% 10 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