Please solve for every step

6. You are planning to retire in forty years. During retirement, you will be spending $100,000 per year, starting at the end of year 41 . You plan to live for another 30 years in retirement. You are going to contribute $10,000 at the end of year 1 , and then increase the contribution by 2% each year. You anticipate the effective annual interest rate (EAR) from today to the end of year 15 is 10%; the effective annual interest rate (EAR) from the end of year 15 to year 40 is 8%, and the effective annual interest rate (EAR) from year 40 through retirement is 6%. (a) What is the present value of your total spending? (b) What is the present value of your savings before retirement? (c) If you have enough savings, how much money will you leave to your heirs? If don't have enough savings, what will be the total deficit at your death? Assume you will die after your final spending withdrawal at the end of your 30th year of retirement