Stuck creating a formula

[Stuck Again]

Hi All,

Is it possible to create a formula with two "IF" but referencing two cells?

=IF(B39>=65,($G$32+($G$32*$G$26)),0)*12, IF I38>1,I38+(I38*$G$26),0

I'm trying to improve on a spreadsheet I found online. It is a retirement cash flow and I'm trying to add CPP (OAS eventually).

Column "B" contains a persons age. Once they reach 65, column "I" will insert the value in "G32" (current CPP value). The $G$26 is the inflation rate.

Then on top of all this, the value in "I" will be increased by $G$26, each year until that 65 shows up.

Now I have a headache!!

Thanks in Advance..