After 5 years of owning the hotel, Ziad's investment matures and he decides to use this balance to capitalize on an opportunity to open a small bed and breakfast near a golf course, the Chip Inn. 4. Ziad's contributions to the Chip Inn will amount to $40,000 per month for the first 2 years in order to help establish and market this new venture. Afterwards, they will lower to $18,000 per month. Throughout this period, Ziad's remaining funds are still held in the high-yield account. How long will this fund be able to sustain investments into the Chip Inn? Express your answer in years and months.