You have just received a $35,000 gift from your parents, representing your share of the sale of the family cottage. You will invest this money, then use it to fund a round the world trip that you plan to commence in exactly two years from now. In exactly two years from now, when you begin your trip, you will make the first of a series of monthly withdrawals of $4000. When the $4000 per month withdrawals have depleted your savings, you will come home. How long will your trip last if your money earns 4% compounded monthly during the entire time? Include the final, smaller withdrawal, as you will budget carefully during your last month of travel.