Could someone please help me with answering this question with the proper steps. And please don't paste the ans from someone else. Thank you.

3. If you save $5,000 at the end of every year for 20 years and invest it at 4%, how much will you have in 20 years? How much would you have if you had saved the $5,000 at the beginning of every year? How much would you have if you had saved $5,500 instead? ( 10 marks)