gtaflyer
For a start EK only cover 3 children for education. At the school my kids go to, the annual fee is 30,000dhs, education allowance 26000dhs i think. So you would pay 4000dhs for first 3 kids, plus 30000 for 4th kid = 42,000dhs, F/O salary around 19000 dhs so there goes more than 2 months salary.
To be fair there are cheaper schools that would bring the cost down significantly, but do you want to send your kids there.
I'm not sure how medical and staff travel etc apply to the fourth child but it would be worth checking out, living here is expensive and you will definitely be dipping into your savings to survive until your upgrade comes.