Montgomery Brewster has recently received a large inheritance and would like to make a wager with his friend Spike Nolan $$ who can get to $$2$ million first? Montgomery gives Spike $$750,000$ to start with, while Montgomery decides he is only going to start with a simple Benjamin Franklin $$100$ bill. Spike feels very confident that with a huge lead, he will be able to win easily $$ he doesn$$t know much about investing, though, so decides to take his $$750,000$ to the bank and invests in a New York City municipal bond paying a $3\mathrm{.}995\%$ interest yield. Spike walks out of the bank feeling at ease with his good decision. Meanwhile, Montgomery Brewster takes his $$100$ and gets to work! He studies popular collectibles and eBay fads; he scours online news articles for day$-$trading advice; he even takes some geology courses to learn the oil business. Throughout his aggressive endeavors, Montgomery manages to average an annual return on his investments of $58\mathrm{.}2\%.$ How long does it take each participant to achieve their $$2$ million goal? Who is the winner of the contest?