I have 2 friends fo's with Etihad, both married, 2 little kids still not in school. They are able to have a normal life and save 2/3 of their monthly total payment. They are westerners, cook at home mostly, drink like schmucks but buy their booze and drink at home. I guess if you wanna eat, drink, fk.... out of your home every day then reverse the numbers. Some people never have enough.