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You should change the position of the client at least every
Disposable Income
The sum available for household consumption and saving after the reduction of income taxes.
Consumption
The total value of goods and services used by households and non-profit institutions serving households, excluding purchases of dwellings.
Saving
The act of setting aside money for future use, often by depositing it in a bank or investing in assets.
Disposable Income
The total money a person or household can use for saving or spending after deducting income taxes.
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