Your grandfather will sell you a piece of beachfront property for $65,000. He says the price is firm whenever you can pay him cash. You know your finances will only allow you to save $5,600 a year and you can make 6% on your investment. If you invest faithfully every year at the end of the year, how long will it take for you to accumulate the necessary $65,000 future cash for the beachfront property?