Not 'more simply', there are basically zero savings accounts that are going to net you a 5%+ interest rate to give you that $100 a month. And that $25k becomes less valuable over time. $25k is now only worth $19k because inflation.
If treasuries “fail” we have a different class of problem.
???
30 Day SEC Yield as of Aug 24, 2026: 3.61%
12m Trailing Yield as of Aug 24, 2026: 3.74%
https://www.ishares.com/us/products/314116/ishares-0-3-month...
1.39% might not seem like a lot, but that's off by more than a quarter.
Our assumptions may differ - and that’s ok... The monthly costs may go down too.