please do the full question in excel with formula

You are planning your retirement which will occur in 30 years. You plan to save $5,000 per year for the first 15 years and $10,000 for the second 15 years. During the thirty years that you are saving, you expect to earn a 12 percent rate of return. When you retire, you become more risk averse and are will to accept a lower rate of return. Assuming you wish to withdraw $141,887 per year from your portfolio for 20 years and have nothing left at the end of 20 years, what rate of return must you earn