Jay has just turned 20.  His dream is to retire on his 50th birthday. He wants to save 10% of his salary each year. He now makes $25,000 a year. He expects to get an 8% raise per year until he is 50. Assuming he saves this 10% each paycheck in his sock drawer and deposits it on Jan. 1 of the next year and that he will get a 3% return on his money, create a spreadsheet that shows how much he has in the bank at the end of each year.