please help solve this exercise

using Theory of interests formula (explain please)

10.-/1 points A worker aged 30 wishes to accumulate a fund for retirement by depositing $2500 at the beginning of each year for 35 years. Starting at age 65 the worker plans to make 20 equal annual withdrawals at the beginning of each year. Assuming that all payments are certain to be made, find the amount of each withdrawal starting at age 65, if the annual effective rate of interest is 10% during the first 35 years but only 6% thereafter. Answer = $ (round your answer to 2 decimal places.)