Option button & caption problem

I am trying to find an alternative way to display this. What I am having trouble with is the display on the form. When I click the command button, it does not give the correct answer, but when I click it twice it does.

I tested it out thinking the calculation was incorrect but, if I make the rem line active, it will give me the correct calculation with 1 click of the button, but without the " **** payment will be " line before it.

Any suggestions?

Private Sub cmdCompute_Click()

If optYearly.Value = True Then
PaymentsPerYear = 1
lblPayment.Caption = "Yearly payment will be " & _ Format$(Payment, "Currency")

Else
PaymentsPerYear = 12
lblPayment.Caption = "Monthly payment will be " & _ Format$(Payment, "Currency")
End If

''lblPayment.Caption = Format$(Payment, "Currency")

End Sub