It's unrealistic for people who have no money to invest.
But the top 5% in the US make 300k+. If you can't save anything making 300k you have a spending problem. Honestly I'd you're making 100k can can't save you have a spending problem.
It is interesting that you cofounded two points from my point to assume that I meant the top 5% of earners in the US. No, I have see personal finance Q&A from all income levels where people have out of control spending. I think this is the norm in the US.
But the top 5% in the US make 300k+. If you can't save anything making 300k you have a spending problem. Honestly I'd you're making 100k can can't save you have a spending problem.