Maximising ones income obviously
is the objective of all individuals (except sages and such others). People
work to earn to their optimum capacity. However, if you are in a position
to manage your income stream in such a manner that it is not prone to
charges on it, you enhance your disposable income. For example, income
received from company deposits is prone to income deduction at source
whereas dividend income is not or income earned away from place of stay is
prone to charges like commutation expenses, eating out etc. whereas income
earned closer to home is free from such expenses.
Similarly, if your employer pays for the cost of your residence against a
nominal deduction from your salary rather than house rent allowance, the
former option will result in maximising the disposable income.