Could someone help me with this question please?

Julie drew this series to represent her investments.

175, 175(1.003), 175(1.003)2, ...175(1.003)22, 175(1.03)23

Her friend, Sheila, said she must be paying $175 every month for 2 years, but her other friend, Todd, said she must be paying $175 every 3 months for 6 years. Who is correct?