[GodGunsGuts]

I'd say it's safe to say that the housing bust is officially a national phenomenon.

[Don W]

I find the term "disposable income' WHOLLY INACCURATE.

The term should be DISCRETIONARY SPENDING.

To me, not one thin dime is disposable. However, I do have some money that I can use for trifles and pleasures, or put away for later, AT MY DISCRETION!

Disposable, NO!