If you have loans and two kids, wouldn't a monthly net income of 20 million KRW feel tight?

Education expenses for two kids: 4 million (2 million x 2) (cases where they actively pursue private education like English kindergartens)
Monthly loan principal and interest payments: 5 million (though principal repayment counts as asset accumulation)
Basic living expenses: 5 million (food, clothing, shelter, dining out, insurance, utilities, medical bills, vehicle maintenance, etc., for a family of four)
Couple's hobby (golf): 2 million per month
On top of this, replacing two cars every 5 years,
family overseas trips 1-2 times a year, family events, allowance for parents, property taxes, etc.
There wouldn't be much left for additional savings,
so wouldn't it be difficult to live a life of luxury with surplus funds?