nasa
The family home is hardly "discretionary" and mortgaging it to fulifil a fantasy or service an aviation habit, isn't what I would call responsible behaviour.
I case you haven't worked it out yet, "discretionary income" is income that you can afford to **** up against the wall if you wish without endangering your core assets.
If Jamair is being tempted to but an 'exotic' aircraft, then apart from the aforementioned, he should finance a 'reserve' for the inevitable "bump in the night", lest he winds up with a U/S aircraft soaking up monthlys and not being able to have any fun.
And that's the operative word,
FUN, you should know better than most it is most
NOT fun when you have are the proud owner of a hangar queen.
Children DO NOT TRY THIS AT HOME.