Disposable income, or the money left over after taxes, dropped 4 percent after adjusting for inflation, the biggest plunge since monthly records began in 1959. The drop also reflected the lapse of the payroll tax holiday. Excluding the effect of the tax and other special factors such as the timing of bonuses and dividends, disposable personal income would have increased 0.3 percent in January, the same as in December, the report said.Nothing like high unemployment, lower disposable income, and no GDP gains to spur on economic confidence. Unfortunately our President seems more interested in assigning blame, than taking responsibility. Look for nothing to get fixed... in large part because there is no interest in fixing anything.