If private school matters to you, you prioritize private school, and ditch the housing upgrade and the yacht and the vacation. Like normal people. That's what we did on $25K/year and shitloads of financial aid, living upstate in a city with awful public schools (when I taught in NYC they were so proud of being the best of the "Big Five" cities) and no flexibility to move to the suburbs (or to a house that wasn't falling down around us). And you don't whine about it. Ugh.