Answer:
Taxable income: 82000
Disposable: 79500
Step-by-step explanation:
The taxes are calculated over someone's gross income. The value that appears on its payslip.
The disposable income, on the other hand, is someone's liquid asset. The actual value someone earns with the taxes deducted.
(so 82000 - (4500 - 2000) = 82000 - 2500 = 79500.)
(that is gross income - (taxes - tax credits) )
Note: The tax credits are not a part of the person's income (since it can't be used to anything other than a discount in taxes).