Anyway, does anyone know what decompenation is? What does it mean? What does a person decompensate from? So the back story that you can skip if you want is this: three years ago I was in a PHP program and I had a bit of a mental breakdown there.
From the standpoint of an individual, disposable income is the income that you have left over after you have paid all taxes and other mandatory expenses such as home loan payments, consumer loan payments, and child support obligations.
Disposable income minus all payments for necessities, such as mortgage, health insurance, food and transportation, equals discretionary income. This portion of disposable income can be spent on what the income earner chooses or, alternatively, it can be saved. The personal savings rate is the percentage of disposable income that goes into savings for retirement or use at a later date.