My brother's kids learn a lot of things.E.g. His son swimming class 1800, enopi class 1200, speech class 1800, k1 school fee 4200, school bus 900, 1 maid fee 4500, painting class 1000, running class 1200. He has 2 kids, x2, over 30000 per mth just to raise up 2 kids. I m sure there are more families spend more than them.
For a family who earns 80 k, may already spend over 20 k in repaying mortgage or rental, with another 16 k for 1 kid incl maid expenses, and paying parents lets say 4000 for each side family, and insurance, utilities, rates, food, and maybe 6000 for car expenses not really that much left.