Really, that little? Don't feel even slightly embarrassed about your morals being so cheap? You'd hurt your neighbors and acquaintances for 20K a month?
Given you probably don't earn that today, say you got paid that now instead of whatever you earn, what would you spend that money on in reality?
Given you probably don't earn that today, say you got paid that now instead of whatever you earn, what would you spend that money on in reality?