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Another concept that is often confused with disposable income is discretionary income. This is equal to disposable income ''minus'' the cost of the fixed expenses of life (such as rent/ Mortgage , food, car payments, insurance, etc.). It is income that can be saved or spent on goods and services ''wanted'', not ''needed''. Unfortunately, the definition of discretionary income is fuzzier than that of disposable income, making it harder to measure.

People that are living at or below the Poverty Line have no discretionary disposable income.


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