Ordinary annuity, the interest is compounded with each payment, and the payment is made at the end of the compounding period.

You and your spouse each bring home $1500 each month after taxes and other payroll deductions. Living frugally, you intend to live on just one paycheck and save the other in a mutal fund yielding 7.99% compounded monthly. How long will it take to have enough for a 20% down payment on a $165,000 house in the county? Round to two decimals. ______ years