One only appreciates the value of what he or she has when he or she loses it. The problem with your friend is not his salary structure but rather his management approach to his finances. if im to suggest. he should work with his wife to see how they can further cut their expenses temporarily and at the same time seek alternative means of generating revenue no matter how small. Areas like consultancy, clothes recharge cards even water can help alleviate his worries in the long run.