First, find 20% of $35, then add the sale price of the jeans and the two t-shirts. Take the total and find the sales tax and add that onto the cost.
100 - 20 = 80 If you multiply the jeans by 80% it gives you the price for the jeans saving you from having to subtract the discount from the original price.
Assuming annual compounding, then: FV=15000*(1+.035)^15 FV=15000*1.6753488307521611831782355996538 FV=$25130.23 At the end of 15 years, Tom should have $25130.23 in his account.