Hmmm, this will certainly bring out some of the loonies......
You will not save anything for a couple of years , longer depending on how many kids you have in the ASD/DAA.
That strikes me as, shall we say, a bit pessimistic. However, your stated goal of saving over 60% of your pay is pretty optimistic. You, your wife and kids will have to live like hermits. American schools are out of the question. Likewise eating out, most after school activities etc. You would probably need to take the allowance and rent a small apartment in a less desirable area. Doesn't sound like a great life to me.
3 year bond is pro-rata.