"JudySonger" wrote:
If a couple sets up a savings of $183 per month, for 18 yeasr
at 6.5 % interest. Which areas should be absolute? Their goal
is $75,000

Not sure what you mean by "absolutes", but ....

You can compute the approximate future value of that annuity
as follows:

=FV(6.5%/12, 18*12, -183)

But you will find that falls short of the goal by $274. The
couple would do better to contribute $184 per month. You
can compute that as follows:

=PMT(6.5%/12, 18*12,, -75000)