Kit made contributions to a roth ira over the course of 30 working years. his contributions averaged $4,000 annually. kit was in the 24% tax bracket during his working years. the average annual rate of return on the account was 6%. upon retirement, kit stopped working and making roth ira contributions. instead, he started living on withdrawals from the retirement account. at this point, kit dropped into the 15% tax bracket. factoring in taxes, what is the effective value of kit’s roth ira at retirement? assume annual compounding.