Tom and Jerry each make deposits of 1200 at the end of each year for 30 years. Starting at the end of the 31st year, Tom makes annual withdrawals of X for 20 years and Jerry makes annual withdrawals of Y for 20 years. Both funds have a balance of 0 after the last withdrawal. Tom's fund earns an annual effective interest rate of 6%. Jerry's fund earns an annual effective interest rate of 9%. Calculate Y + X:

(DO NOT USE EXCEL) - (My answer from using excel is $26,189.60. Need help visualizing the answer on pen and paper.)