Sara is a 57-year-old graphic designer who wants to retire 5 years from now. She earns $54,000/year and does not expect any raises if she stays in her job. Her daughter has told her about a new job opportunity that would offer a much higher salary, but to become eligible Sara would need to quit her job and spend a year taking classes. If she did that, next year she would earn $0 and pay $42,000 in tuition, and then she would earn $81,000/year for the final 4 years of her career. Sara likes the duties of the two jobs equally well, so this is strictly a financial issue for her. The interest rate is r. Question: How will she decide? Write down the calculation she will make. Would she be more likely to change jobs if the interest rate were higher or lower?