Assuming a $1-$year, money market account investment at $4\mathrm{.}37$ percent $($APY$),$ a $2\mathrm{.}93$ percent inflation rate, a $15$ percent marginal tax bracket, and a constant $$30,000$ 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?

Assuming a $1-$year, money market account investment at $4\mathrm{.}37\%($APY$),$ a $15\%$ marginal tax bracket, and a constant $$30,000$ balance, the after$-$tax rate of return is

$\%.($Round to two decimal places.$)$