Melissa made contributions to a roth ira over the course of 41 working years. her contributions averaged $2,750 annually. melissa was in the 26% tax bracket during her working years. the average annual rate of return on the account was 5.5%. upon retirement, melissa stopped working and making roth ira contributions. instead, she started living on withdrawals from the retirement account. at this point, melissa dropped into the 10% tax bracket. factoring in taxes, what is the effective value of melissa’s roth ira at retirement? my answer choices area: $369,762.04b: $419 ,762.04c: $381 ,037.04d: $387,802.04