You guys get disposable income?
On a serious note, here it's very hard to get to a point to get any disposable income, unless you stay living with your parent's all your life and never get married, ...
This is the main reason why I'm now able to actually afford a used ps4, physical manga and be able to finally buy games, especially indie one's without the guilt of pirating them.
NOTE: I'm 20 and have been working since I was 18 seasonal work since that's mostly all you can find here, even if you finish university/college so I just skipped that part.