Lindsey has been contributing to an IRA for about ten years and wants to withdraw it all now that she is old enough to not face penalties for the withdraw. The balance in her account represents $40,000 of deductible contributions, $20,000 of nondeductible contributions, and $15,000 of earnings. If she withdraws the entire $75,000 Elance, how much will be included in her taxable income? $75,000 $40,000 $55,000 O $15,000