Could be they've earmarked the savings earlier. Or had a windfall, or they include putting aside 1% of their income to savings as still living paycheck to paych

Could be they've earmarked the savings earlier. Or had a windfall, or they include putting aside 1% of their income to savings as still living paycheck to paycheck. It can definitely be the case that someone's income is being entirely spent each paycheck and that they have some savings.