James is saving up for the down payment on a house. He wants to put 20% down, which means for the size house he wants he needs to have $40,000. He would like to achieve this goal in 5 years. He has refused to invest in stocks because he sees them as too risky for this goal. After paying rent and other necessary expenses, James can save $450 per month for his down payment. Is his goal of $40,000 in 5 years achievable if he invests into treasury bills with a 3% return rate? Why or why not