[Spivak]

All the replies have me so confused, I have never heard an actual real life human being use the term disposable income to mean anything other than post-expense income.

So you have at least one other person who uses the word like that.

[olyjohn]

Yeah how is rent money different from taxes? For most people, you HAVE to pay rent/mortgage/shelter expenses.

I suppose you can live on the street, or move in with relatives.

On that note, you can also choose not to pay your taxes, but you'll also have to deal with those consequences.