Hi, you've asked an incomplete question. However, I added missing the part of the question as an attachment below:
Answer:
No, Dan should reduce his discretionary spending.
Explanation:
Note, the term discretionary spending often refers to spending on unimportant/necessary things. In other words, things that one can do without but they still spend on.
Noteworthy among his expenses were his Cruise trip to Mexico which took about $3,500 (excluding other entertainment expenses). This shows that Dan didn't stay on his budget since some avoidable expenses were eating out of his total income; leaving him with zero savings.
