Kobe puts $120 every month into an account paying 1.9% for 3 years. He then finds a better interest rate and moves his money into an account paying 4.4% compounded monthly (and continues putting in $120 each month). How long (in years, rounded to one decimal place) will it take for Kobe to have $20,000?

Question

Kobe puts $120 every month into an account paying 1.9% for 3 years.  He then finds a better interest rate and moves his money into an account paying 4.4% compounded monthly (and continues putting in $120 each month).  How long (in years, rounded to one decimal place) will it take for Kobe to have $20,000?