If you saved your tax refund $19,298.16, quit buying vendor coffee for one year $5,294.33 and decided to contribute $6,000 (you saved $500 per month) in your Roth IRA, how much would you have for retirement if you could invest these savings at 5% compounded annually for 30 years for this one year of savings? (Use the Table 12.1 provided.) (Round your answer to two decimal places.)