| Rank | City | Country | Median Household Disposable Income (USD) | Median Household Discretionary Income (USD) | Languages |
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Disposable income is the amount of money that households have available for spending and saving after income taxes have been deducted. It's essentially your take-home pay after taxes.
Discretionary income is the amount of money that remains after paying for necessities like housing, food, taxes, and other essential expenses. This is the money available for non-essential purchases, savings, and investments.
Let's say you earn $5,000 per month (gross income):
In this example, out of $5,000 gross income, $1,250 remains as discretionary income for non-essential spending, saving, or investing.
| Rank | City | Country | Median Household Disposable Income (USD) | Median Household Discretionary Income (USD) | Languages |
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