b. Suppose that the Newtons will report AGI of less than $204,000 and put $12,000 each year into their Roth IRA for 20 years, earning an at 5% for 20 years is 33.0660. b. Suppose that the Newtons will report AGI of less than $204,000 and put $12,000 each year into their Roth IRA for 20 years, earning an at 5% for 20 years is 33.0660