If you have any amount which remained after spending your usual lawful livelihood expenses, Khums will be obligatory in that amount, no matter how small it is. If all your income is spent on your usual lawful expenses and nothing remains, then no Khums on you.
Islam does not allow the needy Sayeds to receive Zakat from people, and instead of that, kept for needy pious Sayeds a share in Khums. It is a matter of keeping the respect of the family of the Prophet (SAWA) with out any differentiation or discrimination. Non Sayed needy persons are allowed to receive Zakat while needy Sayeds are not allowed to receive Zakat. Justice requires providing a source away from Zakat to help needy Sayeds which is in fact Sahm e Sadat.
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