Kobe made contributions to a Roth IRA over the course of 25 working years. His contributions averaged $5,000 annually. Kobe was in the 27% tax bracket during his working years. The average annual rate of return on the account was 4%. Upon retirement, Kobe stopped working and making Roth IRA contributions. Instead, he started living on withdrawals from the retirement account. At this point, Kobe dropped into the 15% tax bracket. Factoring in taxes, what is the effective value of Kobe's Roth IRA at retirement? Assume annual compounding.

Please help!!

Question

Kobe made contributions to a Roth IRA over the course of 25 working years. His contributions averaged $5,000 annually. Kobe was in the 27% tax bracket during his working years. The average annual rate of return on the account was 4%. Upon retirement, Kobe stopped working and making Roth IRA contributions. Instead, he started living on withdrawals from the retirement account. At this point, Kobe dropped into the 15% tax bracket. Factoring in taxes, what is the effective value of Kobe's Roth IRA at retirement? Assume annual compounding.

Please help!!