The term 'TAX-RETURN FIGURE' refers to the amount of money that an individual or business has earned in a given year, as reported on their tax return. This figure is usually composed of two components: EARNINGS and INCOME. EARNINGS are the total amount of money that an individual or business has made from wages, salaries, tips, bonuses, commissions, and other forms of compensation. INCOME is the total amount of money that an individual or business has made from investments, rental properties, and other sources of INCOME.