This is a question to use Excel... What formula or excel function do I use to solve this: Suppose that you can invest money every month into a fee free mutual fund and that this fund is expected to have a 10 percent nominal annual rate of return. Using your estimated future cost (including inflation) as a future value, determine the amount of money you must save each month for the next 10 years (i.e., 120 months) to achieve your goal. Then determine the monthly amount you must save if you delay your trip for an additional five years (that is, you will take the trip 15 years from today = 180 months) instead of 10 years from today