If Bozena participates and the $401(k)$ earns $10$ percent annually, how much will she have accumulated in $45$ years $($to age $67)$ even if her salary does not change?

If she does not participate and annually saves $$1,600$ on her own, how much will she have accumulated if she earns $10$ percent $($before tax and is in the $20$ percent federal income tax bracket?