The difference between a Roth IRA and a traditional IRA is that in a Roth IRA taxes are paid on the income that is contributed, but the withdrawals at retirement are tax$-$free. In a traditional IRA, however, the contributions reduce your taxable income, but the withdrawals at retirement are taxable. Assume you plan to devote $$5,000$ to retirement savings in each year. You will retire in $30$ years and expect to live for an additional $20$ years after retirement.

a$.$ Assume the before$-$tax interest rate is $5\%.$ What will be your after$-$tax $20-$year retirement consumption stream if you choose to save in a traditional IRA? Assume your tax rate is fixed at $30\%.($Round your answers to $2$ decimal place.$)$

b$.$ What will be your $20-$year retirement consumption stream if you choose to save in a Roth IRA? $($Round your answers to $2$ decimal place.$)$