All good points. I was using GP’s $40/wk for the sake of argument, and “savings account” more as a figure of speech than to literally refer to a savings account (for the reasons you pointed out). I do contend that, for people who have such a small amount available for food every week, saving any amount of money (let alone $1k/mo) is extremely difficult. Life is a never ending barrage of unexpected financial hits, especially when you’re already living frugally.