You put $10,000 into a traditional IRA and invest everything in a money market fund. The fund has an annual expense ratio of .05%. Your expected annual return is 4.5%, your current tax rate is 35%, and you expect your tax rate in retirement to be 25%. The long-term capital gains rate is 15% and the short-term capital gains rate is 35%. What is the after-tax future value of your investment in 20 years?

Answer should be formatted as a number with 2 decimal places (e.g. 99.99)