33. Develop a realistic retirement planning spreadsheet model for your personal situation. If you are cur- rently employed, use as much information as you can gather for your model, including potential sal- ary increases, promotions, contributions, and rates of return based on the actual funds in which you invest. If you are not employed, try to find informa- tion about salaries in the industry in which you plan to work and the retirement benefits that companies in that industry offer for your model. Estimate rates of returns based on popular mutual funds used for retirement or average performance of stock market indexes. Clearly state your assumptions and how you arrived at them