4.  What happens if you need your money in either your 401K or Roth IRA at age 40?

In many cases, a Roth IRA can be a better choice than a 401(k) retirement plan, as it offers a flexible investment vehicle with greater tax benefits—especially if you think you'll be in a higher tax bracket later on. ... A good strategy (if you can manage it) is to have both a 401(k) and a Roth IRA.

Explanation:

because she sucked. : )

(but so does trump, don't @ me)

a. $48.75

is the answer to your question