Need answer asap

Deby just turned 35 years old and has saved $250 at the end of each month for the last 10 years. If her account balance on her 35th birthday is $45000, what was her average rate of return, compounded annually? She withdraws $5000 on her 35th birthday to take a cruise. If she then resumes saving and the same interest rate continues, how old will she be when her account is over $100000? (answer as an age in X years and M months)