Suppose that you just won the lottery and receive $1.5 million, and deposit all your winnings into a bank account. You are now aged 18 (exact) and would like to start making regular withdrawals of $5,000 per month from the bank account, starting on your 22nd birthday. If the account earns an effective annual rate of 2.5%, determine your age (in years and months) when you make the final full withdrawal. That is, if at some point the balance is less than $5,000 when trying to make a withdrawal, do not count this smaller withdrawal.

(If I could have full workings that would be much appreciated, thank you)