A worker aged $32$ wishes to accumulate a fund for retirement by depositing $$3000$ at the beginning of each year for $33$ years. Starting at age $65$ the worker plans to make $21$ annual withdrawals at the beginning of each year. Assuming that all payments are certain to be made, find the amount of each withdrawal starting at age $65,$ if the effective rate of interest is $9\%$ during the first $33$ years but only $6\%$ thereafter.