A. Non-essential expenditure refers to spending on goods and services that are not necessary for basic survival or well-being, such as luxury items, entertainment, dining out, vacations, and other discretionary purchases that go beyond fundamental needs like food, shelter, healthcare, and education. Any amount exceeding the cap can either be redirected into savings (personal savings accounts, retirement funds), or contributed to public welfare initiatives (e.g., social programs, healthcare, education), as mandated by the government.