Sammy makes monthly deposits from each paycheck into the various accounts, and then spends from those accounts only for their defined purposes. he knows that it is not a perfect system, but thinks that it will to assure coverage for future expenses. using his essential expenses as a guideline, how much will sammy need to save if he wants to have 3 times the amount of his living expenses in the bank as part of his emergency savings. how long will it take him to achieve his goal?