Cash flow on real estate is pretty much discretionary, at least after the minimum debt service charges are paid off.
房地产现金流的决定权相当之大，要求至少先支付最低的债务偿还的服务费用。
2
In Europe, tipping is less common; in many restaurants, discretionary tipping is being replaced by a standard service charge.
在欧洲，付小费没有那么普遍；在许多餐馆，标准服务价格取代了随意支付的小费。
3
Economists at Goldman Sachs reckon that consumers' real discretionary cashflow-their income plus any new credit minus debt service and spending on essentials-has been shrinking since late last year.