Question

from what part of income should someone take savings?○ what otherwise would be fixed expenses○ gross income, before other deductions○ what otherwise would be discretionary income○ gross income, along with other deductions

Explanation:

Savings should be allocated from the income remaining after covering fixed expenses, which is the discretionary portion of income. Fixed expenses are non-negotiable regular costs, so savings come from the flexible, leftover income that would otherwise be used for non-essential spending.

Answer:

○ what otherwise would be discretionary income