You've graduated from college and landed a good job. You want to replace your car, but don't want to take out a car loan. Instead, you decide to invest $400 per month in the stock market and hope to earn 9 %. If the market performs as you're hoping, how many years will it take to accumulate $ 40,000? Ignore taxes.

Monthly Payment ($)	400
Growth Rate (%)	9
Future Value ($)	40,000
Number of Years =

Monthly Payment ($)	400
Growth Rate (%)	9
Future Value ($)	40,000
Number of Years =	?	(Round to two decimal places.)