You must be referring to this: https://fred.stlouisfed.org/series/DSPIC96 https://fred.stlouisfed.org/series/DSPIC96 Note that the real definition of "disposa

You must be referring to this: https://fred.stlouisfed.org/series/DSPIC96 https://fred.stlouisfed.org/series/DSPIC96 Note that the real definition of "disposable income" just means income after taxes. Since housing costs come out of disposable income, and housing costs have been increasing far faster than income, you are not actually on base.