Paul has a good$-$paying job. However, even though he has not received any official confirmation, Paul suspects that his job might be cut in the near future. Rumors in the grapevine hint that the company is going to go through massive lay$-$offs due to declining revenues. As a result, Paul has decided to forgo buying a house until he has a better idea of his job status. He has a lot of savings, but Paul knows he might need them if he becomes unemployed. In this case, Paul lacks

Group of answer choices

willingness to buy

credit.

disposable income.

buying power.

discretionary income.