Judy enters $3000 into a savings account and decides to put $125 in the account each month after that. The account earns 2.6% interest each year.

Five years later, her younger sister Sally places $5000 into a savings account and puts $150 in the account each month after that. Her account earns 4.6% interest each year.

How many years will it take until Sally has as much money in her account as Judy does in hers?

Assume the interest rates remain constant.