Trent, if you've done your research on how much a razor costs over here, then search the forum for what you are looking for in costs. There are several FO's that have posted on here what their cost of living is. Education (no rise in allowances again this year yet schools are still increasing), medical, buses, vehicles, insurance, outfitting the villa, tickets home, groceries, getting the wife out so she doesn't go mad, keeping kids entertained, and on and on and on. Yes, it is very difficult for a new hire FO to save cash for at least the first two years, sometimes three. Keep researching.