Assuming a$1-$year, money market account investment at $2\mathrm{.}28$ percent$($APY$),$ a $1\mathrm{.}39$ percent inflation$$ rate, a $25$ percent marginal tax$$ bracket, and a constant $$$$50$ comma $000$balance$,$ calculate the$$ after$-$tax rate of$$ return, the real rate of$$ return, and the total monetary return. What are the implications of this result for cash management$$ decisions?