Suppose that Ramos contributes $5500/year into a traditional IRA earning interest at the rate of 3%/year compounded annually, every year after age 35 until his retirement at age 65. At the same time, his wife Vanessa deposits $4000/year into a Roth IRA earning interest at the same rate as that of Ramos and also for a period of 30 years. Suppose that the investments of both Ramos and Vanessa are in a marginal tax bracket of 35% at the time of their retirement and that they both wish to withdraw all of the money in their IRAs at that time.