Also, excess dollar reserves often produce excess credit, if the central bank allows the money supply to grow from the dollar reserves, which can lead to credit - induced inflation. (alephblog.com)
After that, what do their banks do with excess dollars? (alephblog.com)
This will give you a clear understanding of how much money you NEED, and when subtracted from your household income you will have excess dollars for saving or recreation spending. (blog.kainscott.com)