Step (1) Solve all these problems using Microsoft-provided Excel Functions Step (2) Solve all these problems using VBA functions developed by you. Answers in Steps (1) and (2) should match.

4. Makayla is 28 years old today. Her current job pays her $40,000 a year, with a 3% annual growth in salary. She has decided to move to a higher-paying job that pays $55,000 a year, with a 4% annual growth in salary. The higher- paying job requires skills that she currently does not have. So, Makayla wants to go to a four-year college. She has to spend $35,000 per year (to be paid at the end of the year) while in college, and she has to quit her current job to focus on college. Assume that Makayla has money saved up for her college expenses (no need for a student loan). She wants to retire on her 65th birthday. Also, assume that she can save or borrow at 6% per year.

   In todays dollars, what is the benefit (or loss) of Makaylas decision to go to college?