discretionary spending

If you seek knowledge of God,

Then you will understand righteousness, justice,
and integrity—every good path.
For wisdom will enter your mind,
and knowledge will delight your heart.
Discretion will watch over you,
and understanding will guard you,
rescuing you from the way of evil—
from the one who says perverse things,
from those who abandon the right paths
to walk in ways of darkness,
from those who enjoy doing evil
and celebrate perversion,
whose paths are crooked,
and whose ways are devious.
Proverbs 2:9-15

Discretionary income is money you are free to decide how to spend;  it's not tied up to pay bills, repairs, or necessities. Following wisdom builds up knowledge that leads to understanding, allowing you to be free to make your own decisions; decisions that lead to the good life for yourself and others!