Also, this isn’t right… $13,000 of disposable income doesn’t mean $13,000 that you can save. It’s unreasonable to assume people can save 100% of their disposable income. Even saving 40% of it is an enormous and near impossible task.
Discussion
Well that’s what ‘disposable’ means. After all bills and living expenses are covered. You could either go on vacation, spend it luxury goods or eating out – or plow it all into Bitcoin. But that’s what the ‘avg’ person could hope to have available *after* their living costs are covered.