Industry WIKI

Capital gain is an economic concept defined as the profit earned on the sale of an asset that has increased in value over the holding period. An asset may be tangible property, a car, a business, or intangible property such as shares.

The consumer leverage ratio (CLR) is the ratio of total household debt to disposable personal income. The Federal Reserve separately reports household debt service payments as a percentage of disposable personal income. The Bureau of Economic Analysis publishes disposable personal income data.

In economics, personal income refers to the total earnings of an individual from various sources such as wages, investment ventures, and other sources of income. It encompasses all the products and money received by an individual.

Personal income is an individual's total earnings from wages, investment interest, and other sources. The Bureau of Labor Statistics reported that median usual weekly earnings for full-time wage and salary workers were $1,251 in the second quarter of 2026, not seasonally adjusted, 4.6 percent higher than a year earlier. For the year 2024, the U.S. Census Bureau estimates that the median

Saving is income not spent, or deferred consumption. In economics, a broader definition is any income not used for immediate consumption. Saving also involves reducing expenditures, such as recurring costs.