On the last business day of 2023 through 2027 you deposit $(4000 + 20*X) into a Roth IRA account. On the last business day of 2029 you withdraw all of the principal (you may legally withdraw the total amount you invested with no tax penalty) and allow the remainder to increase with time. You make no other contributions or withdrawal for (10 + X) years (the end of year (2039+X)).

Find the value of your account, assuming an interest rate of (5 + X/5)% .

X=11