When I first heard of this figure and of this report by the IRS I wasn't shocked. You see after money coaching for several years no I have learned that its the small foxes that spoil the vine as the Bibles says. Its true amounts as small as $400 can cause a catastrophic disaster in the budgets of probably most homes today. I mean, bank accounts drained and overdrawn by hundreds of dollars all because of a small expenditure that was either unforeseen or unprepared for.