Anyone that's good at finding the modified internal rate of return (reinvstment approach), please tell me what I did wrong?

Ok, so the rate for the project is 9.5%, and I have to use the reinvestment approach. H ere are the cash flows as follows:

YR 0 = -150,000.00

YR 1 = 65,000.00

YR 2 = 52,500.00

YR 3 = 48,000.00

YR 4 = 45,000.00

YR 5 = -28,000.00

I found the future value of years 1-4 in terms of year 5 and here they are:

YR 1 = -93447.96

YR 2 = -68928.95

YR 3 = -57553.20

YR 4 = -49275.00

I added them all to -28,000.00 and got -297,205.11. Therefore, all cash flows are 0 except for year 0 and 5. But when I put this in my calculator (the way you would find IRR of course), I got an error message, because both year 0 and the combined cash flows for year 5 (-297,205.11) are negative. I just need someone to tell me where I messed up.