Sandy's fingernails will grow a total of ( 0.1 ) * 12 = <<(0.1)*12=1.2>>1.2 inches per year.
To achieve the world record, Sandy needs to grow her fingernails a total of 26 - 2 = <<26-2=24>>24 inches.
It will take her a total of 24 / 1.2 = <<24/1.2=20>>20 years.
Sandy will be 12 + 20 = <<12+20=32>>32 years old when she achieves the world record.
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