Sherry, who is 52 years of age, opened a roth ira three years ago. she has contributed a total of $14,400 to the roth ira ($4,800 a year). the current value of the roth ira is $20,900. in the current year, sherry withdraws $18,600 of the account balance to purchase a car. assuming sherry's marginal tax rate is 24 percent, how much of the $18,600 withdrawal will she retain after taxes to fund her car purchase?