Sounds like in debt leh. Probably not much savings and just scrap through monthly. If sick or something, gg sia. 13k not alot, still got car, maid and 3 kids
What if they grow up to be a young punk or a grab food delivery driver or go to prison? You can rear them into their 50s? What if they threaten you to want to go to Australia or UK to study if not they disown you?
Even 12 year old now want Labubu and want to play claw machine
Lots of what ifs but that's the thing with children, you'll never know. I've seen kids hate their parents because they were poor and their parents got retrenched.
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