If you can try and solve without using any excel functions. An explanation for how/why steps are done would be amazing.

6. Twenty-year old Eddie wants to retire at age 65 with a retirement income.of $2000 per month starting a month after retirement until age 90. He also needs to withdraw $3000 per year for ten years starting at age 31. From age 21 through 30 he can save $500 annually. How much does he have to save each month after his 30th birthday (starting one month after his 30th birthday) until retirement, in order to die broke one month after his 90th birthday? Assume a discount rate of 12% APR with monthly compounding. (17 points) A an