Darren Snickersbarr has come to get your opinion about a long term disability policy. His current salary is $60,000, his taxes are $10,000 and he funds his IRA each year with $6,000. He's worried that he won't be able to pay his monthly expenses for the year long elimination period. He has $20,000 in savings, but doesn't feel like that's enough. 

a) What are his living expenses? 

b) How long would it take Darren to achieve his emergency fund goal if he has $20,000 saved, invests $200 per month and earns an annual return of 4% in his money market fund account?