Unfortunately you are describing the situation in many “regular” families. Ask any of the chesed organizations in brooklyn like Keren Aniyim and Tomchei Shabbos and they will tell you that a large percentage of their clientele are what would be considered regular families- stable home, one or both parents work, no abnormal health care costs etc…
A frum family needs to earn roughly twice as much than a non-jewish family. Tuition alone accounts for a huge percentage of it.
May Hashem give all of us Parnasa bshefa.