To determine how much you should deposit monthly into an investment account to have $5 million when you retire in 45 years, and how much of the $5 million comes from earnings, we can follow these steps: Part 1: Monthly Deposit Amount - To find the monthly deposit amount needed to reach $5 million in 45 years, we can use the formula for the future value of a series of deposits: FV = PMT * [(1 + r)^n - 1] / r where: - FV is the future value ($5 million) - PMT is the monthly deposit amount - r is the monthly interest rate (7.5% compounded monthly) - n is the total number of months (45 years * 12 months) Calculate the monthly deposit amount required to reach $5 million by solving for PMT. Round up to the nearest dollar. Part 2: Earnings from Interest - To determine how much of the $5 million comes from earnings, subtract the total amount deposited over 45 years from the $5 million final value. - Calculate the portion of the $5 million that comes from interest by subtracting the total deposits from $5 million. Round to the nearest dollar. Follow these steps to compute the monthly deposit amount needed to reach $5 million and the portion of the $5 million that comes from earnings. Make sure to use the correct formula and perform accurate calculations before rounding up to the nearest dollar as required