Correction for spouse of US Citizen it takes 3 times the amount in liquid assets, not 5 times. So, if income is zero and the requirement is 25k in income, the minimum in liquid assets to offset the 100% income shortfall would be 75k. Don't expect the minimum in assets to carry the day though. A good chunk of that will be gone by the time the couple gets to the USA and finds a place to live. Consular Officers know and consider that.