My friend works in large tech; think SV, a satellite office in Amsterdam. Both of them earn greatly. With two kids, they literally don't have any saving at the end of the month. With 52% taxes and mortgage, even with child benefits. of course you don't pay a lot for the education, but the daily operational cost is very high. Small unplanned activity in NL can make you go in the red. Rising energy and grocery prices are not helping either.

Reddit for expat in netherlands is full these posts.