Subtract the following fractions or mixed numbers. Write the answers as fractions or mixed numbers in lowest terms.
a. 
b. 
Definitions:
Traditional Retirement Plan
A tax-deferred retirement savings account where contributions may lower current taxable income and earnings grow tax-free until withdrawn.
Roth Retirement Plan
A type of retirement savings plan where contributions are made with after-tax dollars, and qualified withdrawals in the future are tax-free.
Income Growth
The increase in the amount of money earned from investments or employment over time, reflecting economic expansion or personal financial improvement.
Effective Tax Rate
The average rate at which an individual or corporation is taxed, calculated by dividing the total tax paid by the taxable income.
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