Math finance please show all work NO EXCEL

5. You begin making contributions to a new retirement account on your twenty-second birthday. You make a contribution of $4000 at the beginning of each year through your sixty-fourth birthday. At age sixty-five, you use these funds to establish a perpetuity and take the first annual payment. Find the amount of the annual perpetuity payments if your annual effective rate is 10% until you are sixty-five and 5% thereafter