A man age 40 wishes to accumulate a fund for retirement by depositing $1000 at the beginning of each year for 25 years. Starting at age 65 he will make 15 annual withdrawals at the beginning of the year. Assuming that all payments are certain to be made, determine the amount of each withdrawal to the nearest dollar if the annual effective interest rate is 4% during the first 25 years but only 3 ½% thereafter. The answer is give as $3,633.

Right now I have: (1.04)^25 + 1000 (s double-dot, angle 25).04 = x(a double-dot, angle 24).04

but I think I have numbers off somewhere because I'm not getting the right answer.

Hope you can understand the notation I wasn't sure how else to type it. Thanks!