You answered a question for me and I need some clarification. When I entered the Log values on my calculator, my answer was 2.5023677. How did you get 41.4?

Future value = Present value (1 + i)^n

220,000 = 37,000(1.044)^n

5.94595 =(1.044)^n

log 5.945945 = n log(1.044)

n =log 5.945945 /log(1.044)

n = 41.4 years