Comparing disposable income between US and EU is misleading, because Europeans are forced to pay for things like health insurance or unemployment insurance, while US-americans are free not to have them (and suffer the consequences). In reality every US-american that can, does pay for health insurance, and pays significantly more for worse coverage than Europeans. But in the statistic this is counted as a voluntary expense which is why the disposable income metric is misleading. There is more, like saving for the university education of the children, which again would be counted as disposable income. Europeans get uni education "for free".