Question $4$Rickie works for a local discount store where his employer makes direct deposits of his wages into his checking account. Each paycheck, Rickie transfers $$50$ to a retirement account at his local bank. His contributions are not tax$-$deferred, and if he has the account for over five years and reaches age $59(1)/(2),$ his earnings will be nontaxable. Rickie most likely has a:aSELECT ONE$401($k$)$ plan.bRoth IRA plan.Traditional IRA plan.d Nonqualified plan.Stuck?Showmeahn