Yon made contributions to a traditional ira over the course of 15 working years. her contributions averaged $4,000 annually. yon was in the 29% tax bracket during her working years. the average annual rate of return on the account was 5%. upon retirement, yon stopped working and making ira contributions. instead, she started living on withdrawals from the retirement account. at this point, yon dropped into the 15% tax bracket. factoring in taxes, what is the effective value of yon's traditional ira at retirement? assume annual compounding.
1)
$141,367.11

2)
$25,031.13

3)
$74,230.25

4)
$73,367.11

can someone tell me how to solve this?