def calculate_interest_amount_in_years(starting_amount, number_of_years, interest_rate, stipend_rate):
    """
    After X number of years, how much would I have in the bank?
    :param starting_amount: The amount of money the bank has to start with.
    :type starting_amount: double
    :param number_of_years: The amount of time to accrue interest.
    :type number_of_years: int
    :param interest_rate: The rate that interest is being added into the bank.
    :type interest_rate: float
    :param stipend_rate: The amount taken out each year for a stipend.
    :type stipend_rate: float
    :return: The amount in the bank, and the yearly stipends.
    """

    # Money is not gained. Can be calculated, but not here.
    if stipend_rate >= interest_rate:
        return -1, -1

    current_amount = starting_amount
    stipend = {}
    for year in range(number_of_years):
        current_amount += (current_amount * interest_rate)

        # We take the stipend out after adding new interest.
        new_stipend_amount = current_amount * stipend_rate
        current_amount -= new_stipend_amount
        stipend[year+1] = round(new_stipend_amount, 2)

    return current_amount, stipend