responsible citezinship means having a certaion role in your community, or state in the world
Examples:
obeying rules and laws
helping others
responsible for your own actions
and e.t.c
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Disposable income is the money that is available to invest, save, or spend on necessities and nonessential items after deducting income taxes.
Discretionary income is what a household or individual has to invest, save, or spend after necessities are paid.
Examples of necessities include the cost of housing, food, clothing, utilities, and transportation.
The U.S. Department of Education uses your discretionary income to calculate payments for income-based repayment plans.
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