You decide you want to save for down payment on a home. In your estimation, you will need $20,000 to cover the down payment. You plan to save $400 per month in an account that earns 6% compounded monthly. How long will it take you to save the money you need? 1.63 years 57.68 years 65.36 years 4.81 years 8.65 years O 3.73 years