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SUBMIT YOUR IDEAMy solution
I solved this one with two tools, and neither was a multi-row formula tool.
Actually, I am having trouble figuring out how the multi-row formula tool could be used here.
This seems like a very simple exercise in the formula tool.
The challenge could have been made slightly more interesting if it was to create an analytic app that input the starting amount and/or the spending amount (in one of many different ways) and then do the calculations.