That ' s what I was thinking too . Go with Arsenic . Sounds pretty cool too <| sep |> But you can ' t extrapolate the results to the next 40 %. You don ' t really have any other option but to ignore them . <| sep |> Who said saving $ 40 a month ? Your example was instead of spending $ 400 in one go , if someone could do that they would have already spent it on a bunch of $ 40 things . The disposable income doesn ' t really matter . Maybe they have a couple hundred or a couple thousand a month in disposable income . If that money ' s blown here and there every time something interesting comes along , then there won ' t be a substantial amount of money for a large purchase . As I say , it ' s about choosing to spend money on things you really want . If someone has some disposable income and doesn ' t buy $ 40 things all the time , then it ' s not too hard to come up with $ 400 on occasion . If someone ' s just scraping by , then yeah , maybe they are saving up little bits of money every month to buy something they really want .