Please solve by hand and do not use excel

$5000 is deposited into Fund X at the beginning of each year for 15 years, which earns an annual effective rate of 4%. At the end of each of the first 15 years, the interest earned is withdrawn from the fund and deposited into Fund Y, which earns an annual effective rate of 6.5%. At the end of each year, beginning in year 14 the interest earned from fund X and an additional $3,000 will be withdrawn from fund X and 3. deposited into fund Y until fund X is depleted at the end of year 40. Determine the accumulated value of Fund Y at the end of year 40