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Similarities between Disposable and Discretionary Income Both are used as a measure of consumer spending habits Both are affected by the peoples willingness to spend Differences between Disposable and Discretionary Income Definition Disposable income refers to the income amount accessible to a person or a household for spending, saving or investing after the deduction of income taxes while discretionary income refers to the income amount a person has to save, spend or invest after taxes and all essentials such as housing, food, and clothing are paid

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