You have the plan locked in for the dream boat account. Now you are working on the FUEL Account (it's a big boat). You need $102,000 in that account in 15 years. You are able to place $4050 in to the account at the end of each year. No balance on year 0. First deposit is on year 1. But, you know that won't get you there. You are expecting an inheritance from your late aunt in 5 years. (start the savings account now.. 5 years from now, you will have $$ from aunt). If you can get a 3.6% rate on you account (PYCY) how much do you need from you Aunt to make this work?