def take_home_pay(gross_pay, employer_match, taxes_and_fees, numtype='<STR_LIT:float>'):
if numtype == '<STR_LIT>':<EOL><INDENT>return (Decimal(gross_pay) + Decimal(employer_match)) - Decimal(<EOL>sum(taxes_and_fees)<EOL>)<EOL><DEDENT>else:<EOL><INDENT>return (float(gross_pay) + float(employer_match)) - sum(taxes_and_fees)<EOL><DEDENT>
Calculate net take-home pay including employer retirement savings match
using the formula laid out by Mr. Money Mustache:
http://www.mrmoneymustache.com/2015/01/26/calculating-net-worth/

Args:
    gross_pay: float or int, gross monthly pay.

    employer_match: float or int, the 401(k) match from your employer.

    taxes_and_fees: list, taxes and fees that are deducted from your paycheck.

    numtype: string, 'decimal' or 'float'; the type of number to return.

Returns:
    your monthly take-home pay.