A person finds out that with a bachelor's degree he can expect to earn $55,000 a year as a financial researcher. If he spends 2 years (full-time) getting an MBA, it will cost him $25,000 a year for his education; however, he can then expect to earn a minimum of $90,000 a year as a financial analyst. If he decides to take the additional education route, to make up for the financial cost of postponing his career it will take him