Don't forget that once you get enough saved up, you can live off the interest alone (i.e., retire). So at your rate, 5 years gives you 15 years of expenses. A

Don't forget that once you get enough saved up, you can live off the interest alone (i.e., retire). So at your rate, 5 years gives you 15 years of expenses. At 7% return on investment, that money will never run out.