You are planning for your retirement. After studying intensely, you have decided that you want to have saved $3,135,314 for retirement before you retire. Realistically, you think you can only save or invest $1,732 per month. If you save that amount per month, and you can earn 8.45%, how many years will it take to amass $3,135,314 for retirement? (Please respond with two decimal point precision - for example 23.32, meaning 23.32 years.)