How Do You Compare?

Here is an Assocham finding:

In an average salary structure of Rs 40,000 per month, the amount available for discretionary spending is not more than Rs 17,000 as average employee shells out over Rs 6,000- Rs 8,000 on housing loan or rent, Rs 5,000 loan on cars or two wheelers, Rs 7,000-10,000 on education cost and FMCG,

How do you compare?How much of your income goes to create assets?Do you buy liabilities which create more expenses in time?