Michelle, age 54, it's self-employed and has never made a lot of money. But, she is consistently saved 3864 per year into a traditional IRA. Over the years, she's taking full advantage of the tax law and deducted each year's contribution from her tax return. If Michelle started saving age 25 and has earned an average annual rate of 4% how much is the account worth today?

204,662

19,751

645,875

44,630