Please do not answer if you are not sure about this question!!!! Thank you so much !!!

You wish to accumulate $100,000 through monthly payments of $400. If you can earn interest at an annual rate of 4% compounded monthly, how long (to the nearest year) will it take to accomplish your goal?

Find t =.......years???? the answer is not 138, 139 or 140 years or 182 months

There is an example: You wish to accumulate $100,000 through monthly payments of $300. If you can earn interest at an annual rate of 4% compounded monthly, how long (to the nearest year) will it take to accomplish your goal? and the answer of this is 19 years so if you can do this, you can do the problem above.