Your goal is to have $7,400,000 when you retire 30 years from now. To achieve your goal, you plan to make 30 annual deposits, beginning today, in a bank certificate of deposit that will pay 8.0% interest. You will increase your payments by 4.0% each year. What should be your first deposit today to meet your goal? $45,818 $36.172 $40,191 $46,622 $38,181