Return Objective - Schweser Practice Exams Book 2 AM Exam 1 Q1A before, return, people, medical, posting

Viceroy

Portfolio Value = $5m
Pretax income = $150,000
Living Expenses = $100,000
Non tax deductible medical expenses = $100,000
Stipend to son = $50,000
Inflation = 2%
Tax rate = 33%

Calculate the after tax nominal return

I get 6.46%, schweser say 5.1%

Would like to see how other people get there answer before posting up schwesers answer.