Use the following information regarding your retirement planning:

You plan to work $($and save$)$ for $40$ years, then retire $($and spend money from your retirement account$)$ for $25$ years. After these $65$ years, you expect that your retirement saving account will have $$0$ left.

You plan to save $$3,500$ in year $1,$ and you will increase this amount by $4\%$ a year

You want your retirement spending to increase by $2\mathrm{.}5\%$ per year

You expect to earn a rate of return of $7\%$ during your working years and $4\mathrm{.}75\%$ during retirement.

Expert: Please use excel and show the formulas used in each cell and please upload answers using excel, not descriptions please.