Please do not solve the equations out in excel. Thank you

Question 1: You are trying to plan for retirement in 20 years and currently have $85,000 in a savings account and $25,000 in a mutual fund. In addition, you plan on adding to your savings account by depositing $1,500 at the end of each month for the next five years then $35,000 at the end of each year for the final fifteen years until retirement. a) Assuming your savings account returns 4 % compounded semi-annually while your mutual fund will return 9 % compounded monthly. How much will you have saved (in total) at the end of 20 years? b) If you expect to live for 30 years after you retire and at retirement you deposit all of your savings (including the value of the mutual fund) into an account paying interest of 7% compounded annually, how much can you withdraw at the beginning of each month