Seems plenty unreasonable to me. If your income is somewhere on "a flat distribution from 0 to $10000" then you are probably just barely getting by, and perpetually one minor financial difficulty away from disaster. If you were able to save $150/year, that could make a really substantial difference to your financial resilience. (Though I don't much like pronouncing from my quite comfortable position on how those in poverty should spend their money. It's liable to sound like a claim of superiority, but in fact I do plenty of stupid and counterproductive things and it's entirely possible that if I were suddenly thrown into poverty I'd manage much worse than those people; I doubt I'd be buying lottery tickets, but I'd probably be making other mistakes that they don't.) [EDITED to fix a bit of incredibly clunky writing style.]