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Let's break down the problem to solve it step by step.

### Information Given:
1. **Yearly Salary** = $31,800
2. **Taxes Withheld**:
   - State and Federal Taxes = $4,134
   - FICA Taxes = $3,275
   - **Total Taxes** = $4,134 + $3,275 = $7,409
3. **Monthly Expenses**:
   - Transportation = $210
   - Cell Phone = $90
   - Student Loans = $220
   - Rent = $600
   - Utilities = $170
   - Internet = $95
   - Health Insurance = $363
   - Groceries = $230

### Steps:

1. **Monthly Salary**:
   - Yearly Salary: $31,800
   - Taxes deducted yearly: $7,409
   - **Net Yearly Salary** = $31,800 - $7,409 = $24,391
   - **Net Monthly Salary** = $24,391 ÷ 12

2. **Total Monthly Expenses**:
   Add all the monthly expenses:
   \[
   210 + 90 + 220 + 600 + 170 + 95 + 363 + 230
   \]

3. **Discretionary Money**:
   Subtract total monthly expenses from the net monthly salary.

I'll calculate these values for you.James has approximately **$54.58** left each month for discretionary spending after accounting for all necessary expenses.

Would you like more details on the calculations or have any questions? 

Here are 5 related questions for further exploration:
1. What would James' discretionary spending be if his rent increased by $100?
2. How much would James save annually if his monthly expenses decreased by $50?
3. What percentage of James' net monthly salary is spent on rent?
4. How much would James have left if his cell phone bill was reduced to $50 per month?
5. What would happen to James' discretionary income if his health insurance increased by 10%?

**Tip**: It's always a good idea to track your expenses closely to identify areas where you can save more efficiently!

James has a yearly salary of $31,800. His employer withholds $4,134 in state and federal taxes and $3,275 in FICA taxes throughout the year. He has the following monthly costs: transportation is $210, cell phone bill is $90, student loans require $220 in repayment, and rent is $600. He is using the average monthly costs for each of the following: utilities are $170, internet is $95, health insurance is $363, and groceries are $230. How much money is left each month for discretionary spending after all necessities are accounted for? Round your answer to the nearest cent, if necessary.

Calculate James' net monthly salary and discretionary spending based on his yearly salary of $31,800, taxes, and monthly expenses. This problem involves key algebraic concepts, such as subtraction and division, and is suitable for students in Grades 7-9.

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