Not 'more simply', there are basically zero savings accounts that are going to net you a 5%+ interest rate to give you that $100 a month. And that $25k becomes less valuable over time. $25k is now only worth $19k because inflation.
Do you think the hardware will still be worth $25k once it is five years old?
Money market/treasuries (even ETF like SGOV) gets pretty close to 5% when typical savings rate is a bit under
If treasuries “fail” we have a different class of problem.