Hi!
Just a bit of a clarification.
"Left-over" dollars are not the dollars we have after we have scrambled to pay for food, shelter, clothing, heating, transportation, electricity, Rx and other things we need to survive.
All of us have earned dollars in return for our time and work. Look at the check given for that work...how much of that check is "skimmed" right off the top to pay for myriad taxes? Those dollars that remain are the "left overs." That's what we get for our time and work. Those other dollars have been taken from you and me and "re-distributed". From those remaining left-overs we have to find ways to exchange those for food, shelter, clothing, and Rx, for example. Folks find ways to stretch those dollars and to be creative in how we do that. It's time-consuming, it's hard, and it hurts. That's all compounded if we have kids at home or are on a fixed income.
Anything that may remain is "discretionary dollars" to buy those nice, but not necessary things...and many of us don't have lot's, if any, of those dollars these days. This of discretionary dollars as the "left overs from the left overs".