$3,600 is a little less than 25% of $15,000, and it's about 3.5% of $100,000.

If a person spent as much as they earned in a year and had no savings, $3,600 a year would accumulate $15,000 in savings after five years. A couple, spending as much as they earned, who wanted to save $100,000 before starting a family, each receiving $3,600 and investing it moderately, would save $100,000 after 10-12 years.

However, poverty is usually defined as an income level and not a level of savings.