where is your money going? According to wikipedia, the average net annual income in Lithuania is around 7,400EUR (or 8,000USD) so you are in a very high income

where is your money going? According to wikipedia, the average net annual income in Lithuania is around 7,400EUR (or 8,000USD) so you are in a very high income bracket for your country: https://en.wikipedia.org/wiki/List_of_European_countries_by_average_wage https://en.wikipedia.org/wiki/List_of_European_countries_by_... The fact that you say your kid is going to the best private school and yet you can't afford other luxuries (while clearly holidaying regularly) makes me think you may be disconnected from the average person's idea of what a luxury is.