aChange in personal saving depends on how much of the $4,000 IRA contribution represents new saving.
( ( aChange ( in ( personal saving ) ) ) ( ( depends ( on ( ( ( how much ) ( of ( the ( ( ( $ 4,000 ) IRA ) contribution ) ) ) ) ( represents ( new saving ) ) ) ) ) . ) )
(ROOT (S (NP (NP (NN aChange)) (PP (IN in) (NP (JJ personal) (NN saving)))) (VP (VBZ depends) (PP (IN on) (SBAR (WHNP (WHNP (WRB how) (RB much)) (PP (IN of) (NP (DT the) (ADJP (QP ($ $) (CD 4,000) (CD IRA))) (NN contribution)))) (S (VP (VBZ represents) (NP (JJ new) (NN saving))))))) (. .)))
Personal savings need to be set by the IRA
( ( Personal savings ) ( need ( to ( be ( set ( by ( the IRA ) ) ) ) ) ) )
(ROOT (S (NP (JJ Personal) (NNS savings)) (VP (VBP need) (S (VP (TO to) (VP (VB be) (VP (VBN set) (PP (IN by) (NP (DT the) (NNP IRA))))))))))