How long does a PhD take to accomplish once you have a Masters

Typically ranges anywhere from 2 years to infinity.

A Divinity doctorate takes 666 days.

3.5 Years

It depends on how long it takes you to complete your dissertation.

I worked in a grad office at one time. If people were on top their shite it took 3 years. Most took about 4 or 5. Some longer.

Most of of those who finished quick were foreign on student visas.

From people I know, it seems like there are a whole bunch of things that can go wrong, and it makes the process very irregular.

It took me 4 years for my first, 3 for the second and then 2.5 for each other one

PhD in what?

Gender studies? 5 minutes of real work plus however long indoctrination takes.

Technical studies? 3-5 years depending on lots of variables that could easily stretch it out longer.

You just send university of Phoenix another 10k

It depends. If your Master's is a terminal degree then you can be looking at 3-6+ years depending on how quickly you write and defend your dissertation. If your Master's is a byproduct of the PhD work--you get it after the first year of course work and maybe an oral defense--then your PhD will still be 3-6+ years depending on how quickly you write and defend your dissertation.