[brain-tree]

People not having kids or not buying a house because it is impossible are not more prosperous than in decades when the basics were more affordable but they have more disposable income if they realize there is no point in saving for now unrealizable expenditures.

[jncfhnb]

Savings are included in disposable income

[brain-tree]

Right, I assumed we were talking about discretionary income. Why is a distinction between income and disposable income relevant given that taxes sometimes provide services that would otherwise be purchased and sometimes do not?