[visdo]

I don't agree with you because we don't know if he has kids. Kid is a big factor. If he has no kid, I think he is over-thinking.

[calambrac]

I would assume he's taking any obligations he has into account when he says 3-4 years. It's not like anyone would say "I have 3-4 years, except when you take into account my mortgage, kids, student loans, eating, bills..."